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  1. Please can anyone advise log book loans got a charging order on my house - i wrote to the company thats dealing with things they responded saying another rcompany had bought their debt and i could make an offer to them to clear , I havent contacted them yet as i didnt want to say anything I shouldnt to them - Im so confused by everything , does anyone have any advice please ? Thanks very much
  2. Hiya I took out a couple of log book loans via Cash Converters between 2010 and 2013. The first was paid in full, the second I have no idea what the status is. I was in financial difficulty at the times of taking out the loan, due to several reason, one being a gambling addiction and an endless cycle of payday loans. When I took out the second loan against my car, the man who agreed it even commented on how much money i was gambling and said that he really shouldn't approve the loan but that he would for me. The car was repossessed by them and my sister lent me the money to
  3. Hi hoping someone can help I stupidly took out a log book loan with varooma, I missed a couple of payments due to being off work with family issues and had the dreaded letter regards defaulting on the loan. I knew I had money coming in the next week so was planning on just getting the account up to date at that point. I then received a letter 7 days later telling me if I didn't pay in 3 days my car would be towed. This letter was dated the 11th and was sent 2nd class post so I received it on the 14th. No sooner had I opened the letter that a recovery agent was at the
  4. I had the cabin components delivered on 8th January Due to issues with the base we did not start building the cabin 25th January We have now encountered a few issues with the build, and the company will only respond via e-mail and not over the phone which is dragging out the resolution of our queries At the moment the doors will not align correctly and are out of alignment by 8mm. We have now been told to put the glass into the doors as they will hang differently, but we cannot see that this will resolve the situation Now, we have found another problem in that all fou
  5. Hi, I bought a voltage converter from Amazon to use for an American TV. While using it the converter started buzzing really loudly, suddenly overheated, and killed my flatscreen Samsung TV. Since I bought the product there are some very bad reviews on the product that include a person whose item exploded as a result of the item being faulty, so its not just me. I've been trying to get in touch with Amazon complaints department as I wanted to log a formal complaint about the converter and the TV, and I did this over a chat with Amazon's complaints department (- apparent
  6. Been helping someone who has got themselves into a bit of bother with a PBC [pawnbrokingcompany] over the renewal of a large logbook loan against a hypercar. Just wondered if anyone else has had an success in getting a LBL extended on the value of a vehicle that was clearly valued at 10+ times the amount of the advance, against the trade resale of said vehicle, without it being "re-valued" by a 3rd party on behalf of the PBC? The issue is the vehicle has gone up considerably in value, over the period of the original LBL and the PBC have called the full amount in, against the value of
  7. in may this year my daughter had a car accident and the car was written off (although we didnt think it was necessary). Two men have just knocked showed me a copy of my daughters registration doc asking if i knew the person, they were after the log book and they were driving the car that had been written off. I didnt have the logbook as logbook and reg docs had to be sent in to the insurance company. I hope we are not going to get some kind of come back over this
  8. hi i dont know if someone will reply but if the agent who is the witness on the bill of sale uses the company address as their address on the bill of sale is this void or not please help they turned up to take car but as i had paid an amount a few days prior they did not take it as phoned company and asked whats going on firstly the person i phoned giggled and said i bet you were scared and that they forgot to cancel the repossession also the day before the people turned up for the car i had come to an arrangement with the same lady who i spoke to on the phone
  9. How do these work exactly. I have a loan with Mobile money but they don't have the log book as they gave me the loan when I first had the car and had sent off for the log book. As I am now in financial difficulties with them, how can they seize the car without the book? Also, could I still sell the car and then pay them back rather than them seizing it and selling it cheap?
  10. now know why Varooma hassle you to write your review 1 day after taking out the loan, as obviously you will be happy with them at that point, but my god will that change. I seriously don't know how these guys can trade let alone be a member of the CCTA & FCA I fell into financial difficulty after taking out a £5k loan paying back £500 per month for 24 months, I took out my loan in January 2015 and have literally just had to sell my £11k BMW for £7k so they wouldn't repossess my car. They charged me over £3.5k in charges (not interest I’m talking about just charges)
  11. Hello, I'd be really grateful for any help you could offer. I'm live chatting with Sky to raise a complaint about their poor customer service and they're refusing to log my complaint. They're telling me "As there is no further action required by us to remedy any failures on our part." Can they behave like this?! Thank you
  12. Hi. We got a log book loan with Varooma, we fell behind on a couple of payments and it was suggested that we take another to clear the debt. Naively we agreed. The payments were £89 and £102 a month (approx), being made redundant meant we got behind again despite numerous attempts to negotiate a fair plan going forward we have been told again and again that they can't as we are in arrears. The issue is we can't get out of the arrears. We currently pay £150 a month on each but the interest on the arrears means the debt increases every month. I can't not
  13. Hi can someone help i bought a car and have had a letter from logbook loans stating the car had a loan on and they are coming to get it
  14. Hi everyone, A friend of mine is looking to get a log book loan, as he needs some urgent cash - he had problems similar to my own in the past with payday lenders and made settlements to all, which of course leaves him unable to get credit with them or any of the normal channels. He is now in good shape financially (other than having no credit score) and able to repay the loan over probably 3- 6 months without any problem. His big worry is whether the companies that offer these loans can be trusted - having dealt with all the lies and tricks of the paydayloan industry in the pa
  15. I very foolishly took out log book loan with Mobile Money and very evident that they are not type of company to help people. I have learnt that they break alot of CCTA code of practice.. and as there is no proper legislation there is not much help out there for when my car was repossed. I have followed every procedure got bona fide debt advisor that log book loan company should recognise and put an account on hold mobile money would not accept. I applied for time order and day after documents sent to them they went to another county were car was hidden
  16. Hubby needs to submit self-assessment tax returns for the first time in years. Long since forgotten/lost login details and password for HMRC site, so now received these through the post. Just gone to log in and now have to prove his identity using either Experian or a company I've never heard of called digidentity. Chose Experian as the latter required a current passport and ours have run out, but Experian accepts details off a photocard driving licence - except it didn't and wanted passport details too, so now have to phone up. It did say the problem could be because the system was new.
  17. Hi I hope somebody can help me, I recently purchased a used car stupidly my partner said he had done hpi but hadnt. Its an 04 car and I recently got a letter not on a letter head or anything explaining that it has a bill of sale on it. I rang to find out who the company was as it didnt give any clue on the letter. Before I rang I looked into things and asked for them to send me the bill of sale, they say they cant do this but gave me the registration date of 15/7/13 and the number to check myself. I am assuming this will take
  18. Hi, I stupidly have a Log Book Loan, which was taken out 3 years ago, due to personal circumstance. I am still trying to pay this. Unfortunately I have falllen behind with my payments, I have always been in contact with them trying to explain the situation, they have before managed to take my car although I did get it back after lending the money. My repayments then went up. I have tried to negotiate a lower repayment, but the lowest they say they will accept is £100 per week. A couple of weeks ago one of the management team contacted me with a full and
  19. Is it possible that a former officer of the old Log Book Loans organisation is now an adjudicator at the financial ombudsman services? I have mentioned him in my application to the FOS in relation to my stolen car. What should this mean for me or anyone else that is seeking justice from this company which has now gone into administration? Fortunately the FOS are accepting applications from before a certain date.
  20. Hi, a general question, not related to any purchase I've made, yet. I thought that log-book loans were only for newish cars and those over, say, £3,000, however, from what I'm reading it appears older and less-expensive cars can end up on a log-book loan as well. So, is there any rule-of-thumb such as, cars over 10 or 15 years or below £xxx will probably not have a log-book loan secured against them. I'm asking because as I understand it there's a glaring loophole in the procedure whereby someone can obtain one or more log-book loans with their V5 (multiple by telling DVLA it's
  21. Hi I posted earlier about bill of sale, now I've got a bigger problem. My dad purchased my car for me, and gave it us as a gift for our grandchildren. I went and got a stupid log book loan on the car, now my dad has told me that he has outstanding finance on the car. The garage told him it was fine to buy the car on finance in his name and have the log book in my name. I didn't know it was on finance it was all kept hush hush from me. I didn't know till today after I mentioned my difficulties with log book loan to my dad. My dad doesn't want to get into trouble as he has a fantastic
  22. Hi, I stupidly took out a log book loan, I am up to date with payments but my query is does the bill of sale have to be witness signed by someone other than the person that issued your logbook loan? My Bos is signed by the exact person that gave me the loan, no witnesses were present.
  23. My daughter has told me that she took a log book loan on her car Grrhh! She borrowed £100, has so far paid £600 and reckons that by the time she has made the final payment she will have paid £3000, Can this be challenged ? Are there any template letters? Thanks
  24. Hi, Am I right in thinking that if you get a top up to your log book loan and sign a new agreement, a new bill of sale has to be registered within 7 days?
  25. I'm having an issue logging into my CAG Webmail account. At first, I wasn't 100% sure i'd ever paid for one, but on attempting to register it said the name was already taken. To the best of my knowledge, I am the only person that would ever use the username I chose. I won't post the full address to avoid spam bots picking it up, but it would be the same as my username on here, and would have had consumeractiongroup.co.uk as the domain. I did send a message via the technical help form a few days ago, but have yet to recieve even an aknowledgement that the message has been recieve
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