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Chookie D

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About Chookie D

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  1. Hi The agents went to the garage where the car was held pending payment of repair bill and repossessed the car. No default notice under s87 was served No receipt or communication to say they have repossessed the car I only found out they repossessed it when I rang the garage Personal belongings were in the car and also taken including mobile phone, satnav approx. £2000 worth of tools (specialist electronic) I looked on autotrader today to see picture of my car for sale on a forecourt 8 miles from me what can I do is there any options as to getting car back outside repurchasing it. Can I sue or is it worth reporting tools etc stolen. My main concern is that there are pictures videos and messages from my recently departed wife on the phone which I may now have lost forever. Regards
  2. Hi All They have repossessed my car now. This is how I found out. I saw my car advertised in Autotrader. Is this how I should have found out ? regards
  3. Hi all To clarify I stupidly got the logbbook loan out fell out off work and on JSA till 03/06 I didn buy it with the loan. Tried to come to attangement with loan co given JSA situation but they ignored my emails missed ayment 10/05 no default notice issued just agents/baliffs on behalf of loan co. Balliffs went to garage and company now loking at repo car from garage and paying repair bill to do so and charge me on top o loan, yes BOS was registered but agent wh came to give oan signed as witness. can garage legally release car or is repo illegal given the S87 ruling
  4. Hi all Gettin desperate now garage has been contacted by Easylog book and they are looking at settling the invoice to recover the car. The baliffs have contacted them but they are agents of Easylogbookloans. Been in touch with garage bottom line is they are a business but could help if I have documentation to prove wrongful or incorrect documentation. Bill of sale was signed by agent who called and witnessed by the same. No default notice was served under s87 since last payment was due On JSA informed loan company asking for advice on what do I do re repaying loan no response No offer to return car as settlement. want to pay dues but strugling till new job starts 03/06 baliffs knocked door but told situation. car in garage due to mechanical breakdown not malicious damage. Questions Can they reposess the car from the garage and as the loancompany are the temporary owners of the vehicle is the garage allowed to release it ? Can they legally pay the garage invoice and then charge me without my consent and can they legally slap this on top of the loan amount Is there anything whilst on JSA I can do to stop this bearing in mind the failure to provide a default notice, bill of sale signatures etc PLEASE PLEASE CAN SOMEONE HELP I AM GOING TO NEED MY CAR WITHIN THE NEXT 2 MONTHS AND CAN AFFORD THE GARAGE FEES AFTER 3 WEEKS WORKING
  5. Hi all Gettin desperate now garage has been contacted by Easylog book and they are looking at settling the invoice to recover the car. The baliffs have contacted them but they are agents of Easylogbookloans. Been in touch with garage bottom line is they are a business but could help if I have documentation to prove wrongful or incorrect documentation. Bill of sale was signed by agent who called and witnessed by the same. No default notice was served under s87 since last payment was due On JSA informed loan company asking for advice on what do I do re repaying loan no response No offer to return car as settlement. want to pay dues but strugling till new job starts 03/06 baliffs knocked door but told situation. car in garage due to mechanical breakdown not malicious damage. Questions Can they reposess the car from the garage and as the loancompany are the temporary owners of the vehicle is the garage allowed to release it ? Can they legally pay the garage invoice and then charge me without my consent and can they legally slap this on top of the loan amount Is there anything whilst on JSA I can do to stop this bearing in mind the failure to provide a default notice, bill of sale signatures etc PLEASE PLEASE CAN SOMEONE HELP I AM GOING TO NEED MY CAR WITHIN THE NEXT 2 MONTHS AND CAN AFFORD THE GARAGE FEES AFTER 3 WEEKS WORKING
  6. Hi all Gettin desperate now garage has been contacted by Easylog book and they are looking at settling the invoice to recover the car. The baliffs have contacted them but they are agents of Easylogbookloans. Been in touch with garage bottom line is they are a business but could help if I have documentation to prove wrongful or incorrect documentation. Bill of sale was signed by agent who called and witnessed by the same. No default notice was served under s87 since last payment was due On JSA informed loan company asking for advice on what do I do re repaying loan no response No offer to return car as settlement. want to pay dues but strugling till new job starts 03/06 baliffs knocked door but told situation. car in garage due to mechanical breakdown not malicious damage. Questions Can they reposess the car from the garage and as the loancompany are the temporary owners of the vehicle is the garage allowed to release it ? Can they legally pay the garage invoice and then charge me without my consent and can they legally slap this on top of the loan amount Is there anything whilst on JSA I can do to stop this bearing in mind the failure to provide a default notice, bill of sale signatures etc PLEASE PLEASE CAN SOMEONE HELP I AM GOING TO NEED MY CAR WITHIN THE NEXT 2 MONTHS AND CAN AFFORD THE GARAGE FEES AFTER 3 WEEKS WORKING
  7. Hi Last year I rather stupidly took out a log book loan from these guys whilst I was going through a rough patch. I now unfortunately am in the situation of being on benefits hopefully only short term. I have emailed them several times asking for advice on this situation to no avail. During this period my car broke down and was towed to the audi garage for repairs. The bill at present is 2500 which on jsa I cant afford with a further 30 days @10 per day storage charges. The repo men came round today no court order just to repossess I told them the situation with the car and the garage is holding it pending payment. When I signed for the loan the agent came round and as stated on other threads no witness was thyere to sign bar the agent so common thread here with the BOS Really where do I stand with regards to the repossession ? are the garage allowed to release the car without my consent. To give you some idea its an audi A6 57 plate loan for 3000, the fault causing the breakdown was a design flaw but not acknowledged fought to get audi uk to reduce original bill of 4500 to 2500 as a gesture of goodwill (succeeded) Stupid move originally but cant change the past any advice please. Thanks
  8. Hi Last year I rather stupidly took out a log book loan from these guys whilst I was going through a rough patch. I now unfortunately am in the situation of being on benefits hopefully only short term. I have emailed them several times asking for advice on this situation to no avail. During this period my car broke down and was towed to the audi garage for repairs. The bill at present is 2500 which on jsa I cant afford with a further 30 days @10 per day storage charges. The repo men came round today no court order just to repossess I told them the situation with the car and the garage is holding it pending payment. When I signed for the loan the agent came round and as stated on other threads no witness was thyere to sign bar the agent so common thread here with the BoS. Really where do I stand with regards to the repossession ? are the garage allowed to release the car without my consent. To give you some idea its an audi A6 57 plate loan for 3000, the fault causing the breakdown was a design flaw but not acknowledged fought to get audi uk to reduce original bill of 4500 to 2500 as a gesture of goodwill (succeeded) Stupid move originally but cant change the past any advice please. Thanks
  9. Hi all Don't know if you can help and I am new on here. I lost my wife Jan last year suddenly and unexpectedly and my life turned upside down lost job depression etc etc. Fell into arrears with my mortgage and had a suspended order for possesion issued. I negotiated to pay back 62 a month on top of mortgage 2 months ago. Unfortunately I hit rock bottom again over the christmas perod (first chistmas etc) and stuffed up. I know its my own fault and I have been stupid and shouldnt have buried my head in the sand but what is done is done. My arrears are 6367.44 and total month payment is 750. I can pay 750 this month nad have done a spreadsheet detailing income, expenditure for the next 6 months incuding bank balance on a running basis. I dont want to lose my home as my daughter (20) and we love ur home and it was the world to my wife and is a glowing testimoey to her as she was the desginer and innovator. Please can anybody help us in our moment of crisis Many many thanks in advance
  10. Good Morning all On November 8th 2010 a storm took the felt roof of our shed. We contacted Zurich who used Davies to asses there claim. This was handed down to Eastwell contractors who proceeded to sub con it to MD building services. MD came round took photos of the shed and stated that we should not do anything to it as they would replace it. We did, naively, as we were told. After many calls to davies we finally got a decision. The report stated that we were not covered as the damage was due to wear and tear on the shed. The storm that night according to Zurich was 54mph winds. This also took some pf our fencing down. I am now left with a shed that has been exposed to rain and snow since november and is now not usable based on what there representative told me, they are denying that this was ever said and we have ' no proof.' They allegedly sent us a letter out detailing there decision on 29/01/11 still to be recieved. I rang them up yesterday and they stated they would call me back with options intstead they called ny wife at home 20 mins later and told her 'honestly you are best off paying for it yourselves.' This was not what they told me on the phone, they were going to call and detail any options on refuting the decision. The attitude of Davies and the 'I hear what your saying' is frustrating as the shed is only 4 years old. Can anyone advise on what course of action is available to me as I cannot afford a new shed. Many thanks for your time in reading this Dave
  11. Good Morning all I too have come accross the same problem with Davies. On November 8th 2010 a storm took the felt roof of our shed. We contacted Zurich who used Davies to asses there claim. This was handed down to Eastwell contractors who proceeded to sub con it to MD building services. MD came round took photos of the shed and stated that we should not do anything to it as they would replace it. We did, naively, as we were told. After many phone calls to davies we finally got a decision. The report stated that we were not covered as the damage was due to wear and tear on the shed. The storm that night according to Zurich was 54mph winds. This also took some pf our fencing down. I am now left with a shed that has been exposed to rain and snow since november and is now not usable based on what there representative told me, they are denying that this was ever said and we have ' no proof.' The attitude of Davies and the 'I hear what your saying' is frustrating as the shed is only 4 years old. Can anyone advise on what course of action is available to me as I cannot afford a new shed. Many thanks for your time in reading this Dave
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