Hi Hip Hop Thanks for responding as you see this is keeping me awake at night! Congratulations for your success - great determination and gusto demonstrated here!!!! These people are really discusting taking advantage of peoples predicaments - such shonky practice and they are still advertiisng I thought the OFT had revoked their license to canvass new business- cant they see it on Google??????? Ive reported it to OFT! Todays update I have gone back to them stating that the bill of sale is not enforceable as the wittness is not a credible wittness, this has been signed by an agent of LogBook Loans/Nine Regions at a branch of CashCheckers with no name and no personal address details provided. As the bill states that representatives who benefit or are associated with the credit agreement or act as agents can not sign as a credible wittness, this renders it void. There are also several inconsistencies in the wording which do not follow the guidleines for a Bill of Sale. Thefore, I can only conclude that the vehicle has been removed illegally with no warrent or court order for removal. Also the act states that the item should remain at the property for atleast 5 days to allow for representation prior to removal, in which case we would have sought a court injunction to prevent removal. We can not afford to continue to be without a vehicle as stated previously this is costing us a significant amoun tof money in travel and loss of earnings. The role of Grosvenor in the removal of the vehicle can not be ignored, as the title of the vehicle was unclear and they have acted on behalf of CC Collections in an unfit and unfair manner against the OFT Debt Recovery Code. By removing the vehicle without any prior notification, or notification on the night, at a unsuitable hour, not giving us the opportunity to make payment, provide keys or remove personal belongings. By causing significant embarrassment and a great deal of distress and has resulted in loss of earnings forthe owner as the vehicle is a necessary tool for his day to day work committments and function and I understand these types of goods are exempt from being used as colateral by a bailiff in any event. So I am logging a complaint against the baliffs. I emailed them yesterday - they are yet to respond. I have also been made aware that CC Colections do not currently hold a Consumer Credit License, therfore they are operating illegally which according to OFT is a illegal and imprissonable offence. Hermes property do have a CCL but the number that CC Collections have given is registered under Spring Capital Finance as per the OFT database. The garage that I purchased the vehicle from have gone bankrupt so I have no way to take any action against them for selling me the vehicle. So basically I have a couple of good points of law, the car is only worth approx £1000 why should I pay for someone elses debt or be without a car for months on end while i take this to court and it could go on for months. PLus the time order costs about £150?? I need to weigh up the cost in regards to the stress, loss of earnings, phone bills, travel costs and course of action to get a vehicle hired for the next few months as to whether it is worth progressing or they can keep the car and get a couple of hundred for it at auction. I have the morning booked off work tomorrow so will have one last chat with them and see what their stance is if not i'll make a decision to say goodbye to the car, go to court for the time order or get a letter from Consumer Direct putting the auction on hold for 30 days while I complie my case. Why doesnt the government protect innocent consumers - I am so dissapointed

Hi Guys I can see lots has already been posted on the subject of' Log Book Loans' mine is a slightly different one as I have owned the car for a year and they [edit] it from outside of the house last week with no prior notification. They are now going by the name of Hermes Property/CC Collections as well as Nine Regions Ltd trading as Log Book Loans. I have a copy of the bill of sale signed by the previous owner dated 16/12/2010, logged at the high court with a stamp 22/12/2010. I have not seen a credit agreement. I have contacted HPI and they have confirmed a claim was put on the vehicle by this mob 16/12/2010. The police have been next to useless and not interested calling this a cival matter, at what poit does it become a legal issue of theft? including the personal contents in the car and the fact that I am paying the road tax and insurance but do not know where the car is being stored. The collections company Grosvenor credit management and investigators do not want to know and have now passed back to CC Collections and funny enough their phone line is now dead. I have emailed the OFT today and Consumer Direct with all the info and a copy of the Bill of sale. I have found citizen advice not so helpful and although the rep who they transfered me to at Consumer Direct was trying to be helpful came back with no information to help me get the car back other than speak to the garage as it is their responsibility. The garage do not give two hoots as they have their cash from me for the car. Basically both myself and the garage bough the car in good faith 'innocent purchasers' after using a car check mycarcheck.com which was not and is still not showing any outstanding finace owing.(I do not have a copy of the original check but did one a few days ago) Please help me I am going crazy with frustration CC Collections are telling me to wait 14 days for them to get back to me aaaahhhhhhh