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Found 2 results

  1. As from 1st February 2011 those Log Book Loan companies that are members for the Consumer Credit Trade Association have to adhere to a new code of practice, this new code of conduct covers debt collection, enforcement of arrears and innocent purchasers of vehicles with previous log book loans attached. Log Book Loans Code of Practice 5. THIRD PARTY PURCHASERS 5.1 Members shall afford innocent purchasers of vehicles, that are subject to a Bill of Sale, the same protection as afforded under the Hire-Purchase Act 1964 Part III - „Title to Motor Vehicles on Hire-Purchase or Conditional Sale‟, but only insofar as title shall transfer to the innocent purchaser in the event that the Member failed to register his interest in that vehicle with a relevant Asset Finance Register Company within 24 hours of execution of the agreement. Trust this helps, good luck.
  2. Hi I took out a small loan of £75 towards the end of December due at the end of the month. I rolled over that month paying £22.50. Every month since then it has rolled over without me asking and without them telling me. In March I made a complaint via their online complaints page. A month later no reply. I called them and asked why it had rolled over so many times to be told "its in the T&C" and "we only take the full payment if you ask us" OK........ So, waiting for the 8 weeks to be up from my initial complaint, I submitted my file to the CCTA and the Ombudsman. I got an email from the CCTA yesterday asking me to call Paul at Cash Genie as he had been trying to contact me. Phoned them, Paul was on the phone, told I would get a call back. Nothing yet. Checked my bank this morning and Cash Genie took the rollover payment again and the capital payment of £75. Should I just wait for the Ombudsman?
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