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    • Dear xxxxx   complaint about Logbook Money Limited   The complaint Xxxxxx took out a logbook loan with Logbook Money. Xxxx told us Logbook Money didn’t carry out any affordability checks prior to the loan. Xxx said they have missed information on requesting evidence i.e. payslips and they have conflicting information about a utility bill xxxx provided them.   Xxxxxx told us xxxxx had several large payday loans which all had defaulted including a large guarantor loan to amigo, and Logbook Money should have seen this when carrying out a soft credit checks as told. Xxxxxxxx also told us Logbook Money have applied £884 in charges to an initial loan of £1000.     Details of the agreements (Logbook Loans)   Loan number Start date Capital amount Total repayable Weekly repayment Duration 31 August 2019 £1,000 £2,800.20 £35.90 18months   My understanding is the loan isn’t settled yet. Findings Our approach to considering complaints about unaffordable and irresponsible lending is set out on our website. I’ve had this approach in mind when considering what’s fair and reasonable in the circumstances of this complaint.   Did Logbook Money complete reasonable and proportionate checks to satisfy itself that xxxxxxx would be able to repay the agreement in a sustainable way?   Logbook Money have provided us with the documents they have relied on which includes customer information, income, and outgoings, driving licence, copy of the agreement and bill of sale. They told us they used xxxxxx bank statement to complete the income and expenditure at the time, however due to the lapse of time they don’t hold the statement any longer.   The income and expenditure from the time of sale shows net income was around £2,300, this includes private rent, child tax credit and DWP and her monthly expenditure was £764. This left xxxxx with a disposable income of £1,536 of which she would be expected to make a weekly payment of £35.90.     Considering everything, I think Logbook Money completed reasonable and proportionate checks based on the size of the loan, the interest charged, the monthly repayments and length of the agreement.   Did Logbook Money make a fair lending decision?   As I think Logbook Money carried out a reasonable and proportionate checks, I have gone onto consider whether it made a fair lending decision based on the information it obtained about xxxxxxx circumstances at the time.   Since Logbook Money said they don’t hold the bank statements any longer, I asked xxxxxxx to provide me with the statements. From what I’ve seen, xxxx monthly income across the xxxxx and xxxxxxx account appear to broadly support her income of £2,333 which reflects in the income and expenditure from the time. However, the bank statement I received from xxxxxxx shows outgoings were higher at around £1,344, which indicated a monthly disposal income of around £937 from which xxxxxxx would be expected to make the £35.90 weekly loan repayment. This indicates xxxx still had enough disposable income to be able to sustainably afford the monthly payments towards the agreement.   The screen shot of the credit report xxxxxxxxx sent to me shows Vodaphone, Three and Vanquis account has worsened in August 2019, however this information isn’t enough for me to understand what the credit report reflected at the time -  for e.g. if there were any large balances outstanding, defaults, CCJ’s, accounts in arrears, or missed payments   I asked for further information on 17 November 2021 – a full credit report from the time, including the statement of the account number xxxxxx and statements for all other active account +/-3months the loan start date. Since I haven’t receive the information, I can’t say what this would’ve looked like.   I don’t think there was anything in the information Logbook Money gathered that ought to have highlighted any concerns about xxxxxxx being able to sustainably afford the agreement. I therefore don’t think Logbook Money acted unfairly in approving the finance.   Did business act unfairly in any other way   Xxxxxx told Logbook Money xxxx is unhappy the way the vehicle was repossessed and how the debt was pursued. Logbook Money told us there were two attempts made to repossess the car prior to the actual repossession on 1 August 2021. The first attempt was made on 10 June and the second one was on 5 July 2021, however both attempts were unsuccessful. This would mean xxxxxxx was aware that the vehicle was at risk of repossession. Logbook Money provided us a copy of the default notice that was sent to xxxxxx in December 2020, which outlines the importance of clearing any arrears outstanding and the risk of repossession.   From the information Logbook Money provided us, it shows the vehicle was released to xxxxxxx after xxxxx made a payment.   Regarding the personal belongings xxxxxx said she had in the car at the time the vehicle was repossessed - Logbook Money told us the recovery agent left a message for xxxxxx to contact them to arrange to collect belongings.   In reviewing this case I’ve thought very carefully about the way the business pursued the outstanding debt and considered whether I felt that business fell short of its obligations in responding to xxxxxxx situation.   While I’m sure that this situation may have caused distress and/or inconvenience, I don’t think that this stemmed from Logbook Money making a mistake or acting unfairly or unreasonably. So, I haven’t made any recommendation in relation to this.  Next steps I think this is a fair outcome in the circumstances, for the reasons I’ve explained. But if xxxxxx decides that xxx doesn't accept what I’ve said, then please let me know by 10 December 2021. If I can’t resolve things then an ombudsman here can look at everything again and make a final decision. If I don’t hear from you by that date we might not be able to look at xxxxxxxxx 
    • god this is frustrating for you.   i'll ping @Andyorch p'haps he has an idea, not one of our past history strengths that i can find.   dx  
    • In 2015 I invested £45,200 in a SIPP operated by Guinness Mahon, which is linked to Dolphin, later German Property Group. GPG went into administration to Feb 2020. My SIPP was due to mature in April 2020.   I first took my claim to FSCS. They rejected my claim, I appealed and still got rejected. Their reason was that Wellington CFS signatures were involved in my pension transfer into the SIPP. This was a surprise to me.    I then emailed and called Wellington, several times, eventually receiving an email stating I did not exist in their records.   I then opened a case with FOS. My case has not yet been assigned a case handler.  From what I learned from others caught up in GPG. Wellington are stating their signatures were used fraudulently. Yet there is evidence of them taking fees.    If you want to read more there is a GPG creditors association Facebook site. You will find others on there in the same position. I did write to Wellington CFS and never got a reply.   If you call their Ireland number you get an answer machine. Their office in Devon, does pick up but this is just a receptionist, takes a message and alas no one gets back to you.   I also heard Wellington CFS is linked to Spain. I think the best outcome is that Wellington go into administration, at this point FSCS will be the last resort. 
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We have been getting shafted for the last two years ever since the OFT brought this case to court.. It has now turned into the NEVERENDING STORY, the only people making money now are the court and the banks, business as usual for them.. :mad:

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Something must be happening ......... I got a statement of Account for an old Abbey account that had over £1000.00 in bank charges going back about five years or so. There was a credit to the account in May 2009 bring the account to - £93.00 very strange .

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I believe that with all the changes to the 'usual' structure of bank charges ie. HBOS £1 per day on overdraft etc, that the banks are worried that the ruling is going to be in our favour & have devised a plan whereby "ok they have to refund millions but no worries chaps, we'll get it all back by doing this"

 

I can see no other reason for the banks to be changing the way they have operated for years if they think they're going to win at the HoL.

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I had same Jake.

 

Had default for bank charges standing at £490 for last 3 years. Suddenly it has changed to £80. What are they doing?

IVA Entry Removed

Nationwide Default Removed

Nationwide Joint Account Default Removed

Natwest Default Removed

Blackhorse Car Finance Court Claim - Won

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Have abbey started automatically paying back charges then? Seems people are getting strange statments from them.

23/02/07 Request for payment sent (hand delivered to my local branch)

08/03/07 Standard Letter from Barlclays saying they are looking in to my complaint received

13/03/07 Letter before action sent (hand delivered to my local branch)

27/03/07 Partial offer of £1255 received

29/03/07 MCOL submitted

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One thing is for sure if the judgement handed down is in the publics favour it will be extremely hard to get though to the banks on the phone.

 

They will be inundated with calls lol still at least the poor soles will be earning there bonus that day.

 

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Ooooooo... I get excited each time this thread appears in my subs, only to be disappointed when I get here, eventually :mad:

Always happy to help where I can!

:lol:

Beware of legal advice given on a private forum - do you REALLY know who is posting? Are they REALLY accountable for their posts? What if you follow their advice and get something wrong?

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Advice and comments posted by car2403 are offered purely without prejudice. They reflect only my personal opinion and do not represent the opinion of this forum or it's management. You should always seek legal advice from a qualified legal advisor. As a member of the site team, I disable reputation - reputation points mean nothing, please check my posting credentials yourself and make an informed decision. You shouldn't PM me and await a reply - I may be too late with a response. No replies will be given in Private Messages - just as with getting advice from the forum, getting advice via Private Messages is dangerous. CAG is about sharing successes so others can follow your example, this is primarily why I'm here, so please don't be offended if I don't offer replies in PM that doesn't comply with this. Help CAG to help others by keeping your thread up to date.

 

 

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Ooooooo... I get excited each time this thread appears in my subs, only to be disappointed when I get here, eventually :mad:

 

You and me both... also this pesky page 135 problem, it always says theres another page but when I click on it, its the top of the previous page :-(

 

S.

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Ooooooo... I get excited each time this thread appears in my subs, only to be disappointed when I get here, eventually :mad:

 

 

me too:(

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You and me both... also this pesky page 135 problem, it always says theres another page but when I click on it, its the top of the previous page :-(

 

S.

 

Nooooooo!!!!! More disappointment...

 

Page 135 is like Room 101 - you don't want to be there.

 

Actually, it's because there are unapproved posts. When posts are unapproved, they lose their post numbers and the others are rearranged around it. What you're seeing is the next page, containing those posts, as they are still visible to site team, only.

 

That explanation was so boring, sorry...

 

me too:(

 

:lol:

Always happy to help where I can!

:lol:

Beware of legal advice given on a private forum - do you REALLY know who is posting? Are they REALLY accountable for their posts? What if you follow their advice and get something wrong?

It was Winston Churchill who said; "Democracy is the worst way to run a country except for all the others"

 

Advice and comments posted by car2403 are offered purely without prejudice. They reflect only my personal opinion and do not represent the opinion of this forum or it's management. You should always seek legal advice from a qualified legal advisor. As a member of the site team, I disable reputation - reputation points mean nothing, please check my posting credentials yourself and make an informed decision. You shouldn't PM me and await a reply - I may be too late with a response. No replies will be given in Private Messages - just as with getting advice from the forum, getting advice via Private Messages is dangerous. CAG is about sharing successes so others can follow your example, this is primarily why I'm here, so please don't be offended if I don't offer replies in PM that doesn't comply with this. Help CAG to help others by keeping your thread up to date.

 

 

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Does anyone know how the court case with OFT is going? My hubby has to date paid over £1000 in bank charges (over the last 6 yrs).

 

He used a template from this forum and requested that they pay back all of it this was 8 months ago. They wrote back within the 14 days and said that he would have to wait until the court case.

 

Because he was and is working i don't think the hardship thing applies to him,or does it?:?

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The date just seems to go on and on, I too have cases stuck at court. I have recently applied to Halifax for 1k of charges to be refunded under hardship rules, despite showing on an income and ex form that I am 100 short every month when essential bills have been paid out, ie gas elec, priority debt rent food petrol they have said i am not experiencing hardship... lol come over to my side of the woods then and see if you can cope.... dont know what to do now as this is a bog off letter, should i go to financial ombudsman or just file at court and get stuck in the big wheel of cases?

muffintop

Won Nationwide £900 and £1908 Bank Charges

Lloyds personal account 1,861

Lloyds Bus Account 2k

Abbey bank acc. Stayed 2008

 

CCA requested Barclaycard Nov 08 - n1 issued - GAVE UP

CCA Mbna Nov 08- n1 issued - GAVE UP

Marks and Spencer Money Nov 08 -lost found 2b enforceable.

Tomson Holiday - WON

 

if I help you tip my little scales it gives me a thrill. MT

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The date just seems to go on and on, I too have cases stuck at court. I have recently applied to Halifax for 1k of charges to be refunded under hardship rules, despite showing on an income and ex form that I am 100 short every month when essential bills have been paid out, ie gas elec, priority debt rent food petrol they have said i am not experiencing hardship... lol come over to my side of the woods then and see if you can cope.... dont know what to do now as this is a bog off letter, should i go to financial ombudsman or just file at court and get stuck in the big wheel of cases?

 

There is nothing to force any financial institution to pay anything if they do not want to. Whilst there are guidelines, they are simply that and it's voluntary. It's a shame that many have decided to take the view of the (regular) 'upper hand'. My view is that they consider financial hardship as something that reflects to them, as a commercial enterprise, that the customer has served their useful purpose and is no longer required. With the 'stay' in place there's nothing one can do.

 

Michael

When I was young I thought that money was the most important thing in life; now that I am old I know that it is. (Oscar Wilde)

--I like to be helpful wherever possible however I'm not qualified in this field. I do consider carefully anything important (normally from personal experience) however please understand that any actions taken are at your own risk--

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Remind me again - the HOL decision is only whether OFT should be able to carry out their evaluation of the situation - isn't it?

 

Yeah!

And when they said that their decision would be announced in the 'autumn'

I think they meant 'the autumn of our lives' - at least it seems that bloody long.

Edited by hsbcfiddled
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The date just seems to go on and on, I too have cases stuck at court. I have recently applied to Halifax for 1k of charges to be refunded under hardship rules, despite showing on an income and ex form that I am 100 short every month when essential bills have been paid out, ie gas elec, priority debt rent food petrol they have said i am not experiencing hardship... lol come over to my side of the woods then and see if you can cope.... dont know what to do now as this is a bog off letter, should i go to financial ombudsman or just file at court and get stuck in the big wheel of cases?

 

They will never agree straight off, I would complain to the FOS with all the details you have provided.

 

If you go the court route you will a) Have to find the money to file the claim unless you can get remission or are on benefits b) have to wait until the conclusion although you should get the stat s69 interest on top of what you are claiming.

 

S.

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The CAG is a free help site,should you be offered help that requires payment,please report it to site team.

 

Deal with your debts:

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IMPORTANT: Please take my advice in the spirit it is given and on the basis that I am expressing my opinion, These opinions are not endorsed by CAG in anyway and are offered informally without prejudice or warranty of any kind. These opinions are solely based upon the knowledge I've gained from this fantastic site and life in general. I have NO legal training.

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As a thought I can just imagine HMRC sitting on the fence like vultures thinking, 'can we class these repayments as income and even better unearned income?' Me and my cynical viewpoint. LOL

Michael

When I was young I thought that money was the most important thing in life; now that I am old I know that it is. (Oscar Wilde)

--I like to be helpful wherever possible however I'm not qualified in this field. I do consider carefully anything important (normally from personal experience) however please understand that any actions taken are at your own risk--

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As a thought I can just imagine HMRC sitting on the fence like vultures thinking, 'can we class these repayments as income and even better unearned income?' Me and my cynical viewpoint. LOL

Michael

 

It is income, but it's income that was taken from me over the last 8 years, so it's my money I'm reclaiming, not "new" income ;)

Always happy to help where I can!

:lol:

Beware of legal advice given on a private forum - do you REALLY know who is posting? Are they REALLY accountable for their posts? What if you follow their advice and get something wrong?

It was Winston Churchill who said; "Democracy is the worst way to run a country except for all the others"

 

Advice and comments posted by car2403 are offered purely without prejudice. They reflect only my personal opinion and do not represent the opinion of this forum or it's management. You should always seek legal advice from a qualified legal advisor. As a member of the site team, I disable reputation - reputation points mean nothing, please check my posting credentials yourself and make an informed decision. You shouldn't PM me and await a reply - I may be too late with a response. No replies will be given in Private Messages - just as with getting advice from the forum, getting advice via Private Messages is dangerous. CAG is about sharing successes so others can follow your example, this is primarily why I'm here, so please don't be offended if I don't offer replies in PM that doesn't comply with this. Help CAG to help others by keeping your thread up to date.

 

 

USEFUL LINKS; New User Guide to CAG | Can't find what you're looking for? | Intro to Consumer Credit Litigation | Is My Agreement Enforceable | Default (Surleybonds) Template Letter | Defaults - background, removal methods, challenges and taking a claim to Court | Digital Signature Guide | Overdrafts and the CCA

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It is income, but it's income that was taken from me over the last 8 years, so it's my money I'm reclaiming, not "new" income ;)

 

LOL I was being cynical. ;)

Now let me think, I buy a bar of chocolate. The chocolate bar is made up of elements from cocoa to the packaging. Each element involved other elements and taxation. When I buy my chocolate bar the shop will pay tax and VAT will be paid. So during every stage of the chocolate bar's indivual 'build' the tax man had a nibble of it.

 

Michael

When I was young I thought that money was the most important thing in life; now that I am old I know that it is. (Oscar Wilde)

--I like to be helpful wherever possible however I'm not qualified in this field. I do consider carefully anything important (normally from personal experience) however please understand that any actions taken are at your own risk--

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LOL I was being cynical. ;)

Now let me think, I buy a bar of chocolate. The chocolate bar is made up of elements from cocoa to the packaging. Each element involved other elements and taxation. When I buy my chocolate bar the shop will pay tax and VAT will be paid. So during every stage of the chocolate bar's indivual 'build' the tax man had a nibble of it.

 

Michael

 

Welcome to the UK!!! Every step you can think of money is taxed. You earn it, and before you see it, TAX. It goes into you bank, if it earns any interest TAX you take it out and buy a car pay vat (the t standing for TAX) and road TAX you fill the car with petrol BIG TAX you take up drinking MORE TAX and smoking EVEN MORE TAX then you die INHERITANCE TAX!!!

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LOL I was being cynical. ;)

Now let me think, I buy a bar of chocolate. The chocolate bar is made up of elements from cocoa to the packaging. Each element involved other elements and taxation. When I buy my chocolate bar the shop will pay tax and VAT will be paid. So during every stage of the chocolate bar's indivual 'build' the tax man had a nibble of it.

 

Michael

 

Er, yes, ok... :confused:

 

The difference, there, being you have a choice of which chocolate to buy. Actually, Tesco do a very nice little bar of Value chocolate for 27p, or something. Then you have your £2 bar of chocolate from Cadbury's, or whatever. Just try paying a Bank 27p for them "considering" a tacit overdraft and see what the response is. :mad: At least you can choose where to buy your chocolate, how much you eat, how much you pay for it, etc, etc... Can't be doing that with the Banks, as they have a monopoly on the competition in their market, IMHO.

 

:mad:

:mad:

:mad:

:mad:

:mad:

:mad:

Always happy to help where I can!

:lol:

Beware of legal advice given on a private forum - do you REALLY know who is posting? Are they REALLY accountable for their posts? What if you follow their advice and get something wrong?

It was Winston Churchill who said; "Democracy is the worst way to run a country except for all the others"

 

Advice and comments posted by car2403 are offered purely without prejudice. They reflect only my personal opinion and do not represent the opinion of this forum or it's management. You should always seek legal advice from a qualified legal advisor. As a member of the site team, I disable reputation - reputation points mean nothing, please check my posting credentials yourself and make an informed decision. You shouldn't PM me and await a reply - I may be too late with a response. No replies will be given in Private Messages - just as with getting advice from the forum, getting advice via Private Messages is dangerous. CAG is about sharing successes so others can follow your example, this is primarily why I'm here, so please don't be offended if I don't offer replies in PM that doesn't comply with this. Help CAG to help others by keeping your thread up to date.

 

 

USEFUL LINKS; New User Guide to CAG | Can't find what you're looking for? | Intro to Consumer Credit Litigation | Is My Agreement Enforceable | Default (Surleybonds) Template Letter | Defaults - background, removal methods, challenges and taking a claim to Court | Digital Signature Guide | Overdrafts and the CCA

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Good evening everyone, At the risk of repeating myself ;) does anyone have any idea when the case will be considered at the supreme court? I have been looking at their website, OFT,FSA,BBA and BBC news all to no avail.What is the general consensus of how things will go? I'm afraid I have lost all heart...........Someone give me some hope, or at least some information.Thankyou.

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