Hi i've been told what they did was legal but what wasnt legal was the bill of sale as i never signed it, all i signed was the agreement never even knew anything about BOS. The agent called to my house when i took the loan out and gave me an envelope with an unsigned agreement and BOS unsigned. I just don't know where i stand or who can look into this. The reason i missed 3 payments because i was ill with plurisy at sisters in the England. I live in Northern Ireland also the mess with the Ulster bank before i left did'nt help matters but they did'nt want to know when i tried to explain to them.

Hi i too have had a terrible time with LBL, they came to take my car on Friday loaded it on the lorry then knocked my door to say they had my car (i was lucky to be in) showed me a piece of paper to say they wanted full payment of my loan plus costs. It went from 800 pounds to 1606 pound in 10mins, i was lucky to have rang my sis and she agreed to pay by debit card the full amount but the guy who had my car on the lorry got in his lorry and drove off without taking payment until i had to run after him on the road , he stopped and came back to take payment and leave my car back. I got no notice this was going to happen calls or letters also he gave me nothing back after payment made. PLEASE PLEASE Anyone even thinking about taking out a LBL AVOID !!! i will let you know what happens next...