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LBL took my car back in june, Heard nothing till this week asking for cash


4dam
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Hi all,

 

LBL took my car one morning back in June, I had nothing put in my door to tell me they had taken the car. until a few days later when i had a letter informing me it was going up for sale at auction.

 

Anyway i had heard nothing for a few weeks when i get the DVLA letter to say car had been sold.

 

I have had no contact from LBL until today when i have a letter from there solicitor informing me I have 7 days to pay or going to take further action.

 

I will just give you the figures

 

I took a loan of 2700

When the car was taken outstanding was 2300(some 18months later after paying 50 a week)

In this letter they are saying i owe 4000+

When the car was taken it was worth at private sale for 4000(have no idea what they sold it for)

 

So can anyone give me some advice on what to do now. I have no plans to be ripped off and pay the 4k on top of losing the car and what i had already paid seeing the loan was for 2700 to start with.

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Hi 4dam

 

I responded to your pm!!

 

Telephone LBL (dialling 141 before their number to keep your number anonymous!). Request a full statement of account in order that you can see exactly what payments / charges have been made and most importantly what they received for your car when it was sold at auction.

 

Keep us posted - but remember not to post any "personal" details on the thread as you never know who is watching!!

 

Best wishes.

 

Jaxads

Edited by jaxads
typo !!!

jaxads

 

Halifax - £2281, successfully refunded all charges after LBA letter & telephone call.

Have been offered the difference between the £20 and £12 charges from Capital One -- am sending LBA for remainder.

GE Money - Received settlement of £441, being total charges requested. No interest though.

CCA'd Bank of Scotland / Blair Oliver Scott to produce CCA Agreements on two Credit Cards - well in default, although still chasing payment!!!

EOS Solutions "ceased action on account" on behalf of a friend.

 

All in all, quite busy at the moment and enjoying every minute of it
:eek:

 

 

 

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It won't do them any harm to let them know that you're recording

the call ;)

 

Ask if possible that they send the statement of account to you in the post today.

jaxads

 

Halifax - £2281, successfully refunded all charges after LBA letter & telephone call.

Have been offered the difference between the £20 and £12 charges from Capital One -- am sending LBA for remainder.

GE Money - Received settlement of £441, being total charges requested. No interest though.

CCA'd Bank of Scotland / Blair Oliver Scott to produce CCA Agreements on two Credit Cards - well in default, although still chasing payment!!!

EOS Solutions "ceased action on account" on behalf of a friend.

 

All in all, quite busy at the moment and enjoying every minute of it
:eek:

 

 

 

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4dam, did you speak with LBL about the statement of account??

jaxads

 

Halifax - £2281, successfully refunded all charges after LBA letter & telephone call.

Have been offered the difference between the £20 and £12 charges from Capital One -- am sending LBA for remainder.

GE Money - Received settlement of £441, being total charges requested. No interest though.

CCA'd Bank of Scotland / Blair Oliver Scott to produce CCA Agreements on two Credit Cards - well in default, although still chasing payment!!!

EOS Solutions "ceased action on account" on behalf of a friend.

 

All in all, quite busy at the moment and enjoying every minute of it
:eek:

 

 

 

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Not yet waiting till i get home from work. Just a quick note when the car was taken in june i owed 2500. they have shaince sold the car dont know how much for and the letter from there legal company states i owe 4300

 

So with no contact from them saying there was shortfull and then to recive a letter out of the blue some 7 months later is a big shock

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LBL have been using a one-man-band cowboy outfit from the Surrey area - the name begins with a 'W' - is this the same one?

No decent firm will touch them with a bargepole, which is saying something in the world of Law - has anyone ever heard of so-called finance companies using back street outfits over the big firms who specialize in commercial financial litigation?

 

Their methods of seizure have already been deemed unlawful in more than one case, any posession made (it's not a repo because the vehicle was never theirs to take) outside of 'normal hours', made without the required paperwork etc is illegal. I have heard of bozo agents making reference to the 'Sale of Goods Act' - whilst this is relevant in cases of Hire Purchase (which some firms acting for LBL do actually deal with in other more ethical cases) it bears no relevence to any LBL matter. Whilst 'repo men' & bailiffs may act badly in some cases and are never to be viewed in a good light, you will find 9 times out of 10 when they are taking a vehicle defaulted on with HP etc they will, as in the cases of home repossessions, make you aware of of the situation beforehand. Enforced possession orders are never pleasant, but ask yourselves this: if the agent and the 'loan co' are legally 'in the right' why, time and time again, are we hearing of more and more clandestine snatching, vehicles taken whilst the owners were out or asleep, nasty home visits made at 5am, vehicles taken and no paperwork left, vehicles followed, people being harrassed in the street etc etc. The answer is because LBL (& Mobile Money) are deliberately abusing the 'Bill of Sale' legislation (made in Victorian times!), deliberately abusing the grey area between criminal law & civil law, instructing their dodgy agents to take the cars at times where they will meet with the least resistance - in order to avoid any real examination of their dubious methods. If they were acting legally there would be no need whatsoever for such covert behaviour, possession would be pre-arranged & for every case they would visit the local police station beforehand to clear themselves legally.

 

I've yet to hear of any LBL victim who, on signing the Bill of Sale, was told that their car was now owned by LBL and would be possessed by LBL if they failed to make the agreed payments. This in itself, quite clearly unlawful.

When LBL are eventually brought to account in court & a defining judgement is made all this will work against them. Their solicitor is employed by them a) to delay as much as possible any court action brought against them increasing the costs for the claimants & make last minute offers that can't be refused to any pesky persistant claimants(ie abuse of the civil process); b) to defend the directors & managers of LBL from any personal action; & c) to bully further monies out of 'victims' & bring vexatious action against persistant opponants (further serious abuse of the law).

 

Ask yourself again, why are the likes of Eversheds not prepared to act for LBL?

Edited by Fleeced73
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