So if they did take a vehicle without a court order, what can the keeper expect to get back?

They have only lost their licience, they have 6 months to continue old business, unless they appeal this within 28 days, if this doesnt succeed they will probably fold and sell their debts over to a company with a licience and carry on from there.

Thank you Ford, i have seen this but am not sure at this stage what effect this will have on those with bills of sale on vehicles they purchased in good faith. They can still recover debts and property, they just cannot create new credit agreements. So we are still effectively screwed, in that we cannot use the vehicle we purchased and have no grounds to have the bill of sale removed.

The appeal from Log Book Loans was upheld. Two of the three judges agreed that an employee of log book loans could attest the bill of sale. THe trading law bulletin Issue 70 September 2011 confirms this. They won the appeal. What grounds does anyone have to get the bill of sale removed. Surely there is nothing we can do to stop them recovering their assets?

Sadly the respondant to my post stopped responding so i was on my own again on this one. I have sent a letter to LBL stating the situation with the inaccuracies in their paperwork and am awaiting a response. We had a second visit from a bailiff last week but they didnt knock, just poked some paper through the door. It is a weaker position to be in when the cash has already been handed over. Everyone tells you to go for the seller for fraudulently selling the vehicle in the first place and this is still a last resort. You need to look at the 13th of July ruling against the OFT.

P.s both the witness signatures match

I think we finally have made some progress, i have the credit agreement, dont ask me how i got it, what is the next step please? Regards Louisa

Postggl, Update - no response from LBL on issuing a copy of the credit agreement, do I have to just wait for them to take me to court and then refer to the recent judgement? Trading standards - advise from them was that i have to hand the bike over and take the seller to court for fraud. Are they all completely loopy? I have to pay to go to court and ask a man with no money to pay his CCJ to pay me too. Regards Louisa

Postggl, I have sent out a letter but also rang trading standards yesterday. I contacted trading standards they said I need to write to Logbook loans formally recorded delivery and request the credit agreement. She said someone would call me back in the next five days and advised I talk to the national debt helpline about the bailiffs. I spoke to the national debt helpline they explained that they would have to take me to court in order to enforce removal of the vehicle. They said in this case I would required legal representation and have to be prepared to defend myself. They also stated that the debt collection agency should not persue me and should be told to go away if they turned up again. He said the other people who could help would be Trading Standards, OFT and Financial Ombundsman. I spoke to the OFT who passed me over to consumer direct who stated the item was not his to sell and we should take him to court over the sale of goods act as he didn’t have title to the property. She suggested I spoke to the information commission about gaining copy of the credit agreement. I rang the information commission and the lady confirmed that under data protection the credit agreement couldn’t be released unless we took them to court and the judge deemed that the data controller should provide it. They said there are some exceptions but also a court ruling would be required in order for this information to be requested. I am not sure where to go next to move forward with this, i am locking myself in the house at the moment, when i am home alone as i dont feel safe if the debt collectors could turn up at any time.

Sorry, i am not clear, please can you confirm, i need to contact trading standards and informing them of what?

postggj, I have a problem, LBL will not let me have a copy of the credit agreement because they said " Under the Data Protection Act we are unable to send you a copy of the Consumer Credit Agreement as you are an unauthorized third party on this account. If you have previously been given a copy of the Bill of Sale this is because this is a public document. " Is there any way round this?

postggj I am on the case i will start with an e-mail request and follow up with a phone call and post back when received.

Sorry postggl. I have a letter of authority and the BOS as below, i will need to get a copy of the credit agreement as these are the only two documents they gave. Will it be detrimental to my case to contact them fot it? The BOS is displayed below:

Cheeky beggers, i would of expected them to of done that, but i guess it is like selling someone the car, its your responsibility to notify of any changes.

Is there any information in your agreement that is explicit or are their charges all implied?