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i got a £2250 loan with logbook loans now having to repay £7206.72................


im a single mam with 2 kids on benefits and although i know its my fault 4 taking loan out on my car, im in bits.

Got numerous letters from them saying repo were coming and charges were added, i paid lbl through my bank and as it takes 4 days to clear into there account aparently so i paid the full amount owed, Repo men were summoned and a month later they turned up at my door asking for my keys,LBL had not spoke to the repo men 4 3 weeks to let them know that the account was on hold whilst payment was going through.... i was reluctant to let them take my pride & joy, as i had paid lbl and had to ring them the next morning to make sure payment had gone through, they turned up and i was on my own ,heavily pregnant & with my other baby...,threatening me to hand keys over or they would smash the windows. As it was 9pm and lbl office was shut they wouldnt take no for a answer and i had no choice but to hand keys over, had 2 ring lbl 8am next morning to see what i could do, but as i had already paid the £ owed did they stil have the right to take my car just because LBL didnt speak to the repo men 4 3weeks 2 let them know what was happening? Im going to ring police aswell as take it to the papers and if it means i have to take them to court i will....... will learn by my mistakes and never never never deal with any1 or any thing like this again, made my life a total misery.....

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I've moved your post to your own thread bump69.


What, if any, action have you taken since the car was taken, and what kind of responses have you had?


What's Best for You?



The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.


Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007

Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06

Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007



Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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mobile money and lbl get you to sign a bill of sale when they lend you money...however this bill of sale has to be made legal and be registered within 7 days of you signing it. Write to them immediately and tell them you want the information of wich court they used for your bill of sale then check the dates sometimes they have not done this in wich case go and take your car back.

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Also no certificated bailiff would reposess a car from a heavily pregnant woman..i know they can be tough but certificated bailiffs are careful not to cross the line. I therefore be inclined to believe that the bailiffs they used were not certificated and not authorised to carry out this kind of work.M.M. use bailiffs that are quite happy to push you around at your own front door. I have personally experienced this...unfortuneately for the so called bailiff who tried this i am from South Africa and we push back so the poor guy quickly rang the police for protection...he was still sent packing tho.. any how back to you...if the bailiffs were not certificated then they were not entitled to be in posession of any of your details of any matter between you and the lender as this contravenes the data protection act. But you need to do something about it go to the police and lay an official complaint that they removed your car under false pretences and used threats to coerce you to hand over your keys. Also tell the police that you suspect they were unauthorised bailiffs using mock court papers and you want the matter investigated as you feel they have contravened the data protection act....go for it..

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You lot are giving the WRONG INFO and ADVICE to this MEMBER!








Bump, call LBL, ask to speak to GINTARE she is the manager that deals with these problems, you WILL be compensated, subject to everything being ok, and from what you have said it sounds ok.


Try not to talk to any other staff member.


Let us know how you get on,


I don't like the idea of having to start looking thru the paper work for a way out of the deal, etc, solve it as suggested, if they become stupid and uneconnomical to deal with then get the magnifying glass and look for holes in the paper work.


REMEMBER : This SITE so as to keep its REPUTATION does not advocate DEBT AVOIDANCE


AND for the LAST TIME.........in fact see the advice for member wearecarless


Site TEAM : - Should I just write a Long Advice Piece for LBL suffers so as to avoid bad advice?

** Credentials **


10 Years Finance Fraud Investigator


5 Year High Court Sheriffs


2 Years Tip Staff Royal Courts


Currently : HMCS Enforcement Officer

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Oh Boy clearly has a vastly differing experience of these companies to anyone else.

Of course the first port of call should be to attempt to resolve matters with the company concerned, but as many have found there are not just little holes in their paperwork and policies but glaring issues.

The main problem (other then general conduct) is the abuse of the Bills Of Sale Act and subsequent ignorance of those laws by all concerned. Contrary to what Oh Boy or anyone else may like to think, it is my opinion these companies base their whole business plan upon this ignorance as well as (naturally) the widescale abuse of the fine line between criminal and civil law.

My basic advice is avoid these companies like the plague, but my basic advice for those already involved is 1) protect your vehicle by putting it somewhere safe whilst the dispute is resolved or investigated and 2) seek legal advice from a Civil Litigation solicitor.

I see nothing wrong with this basic advice.


I have never heard of "Gintare", as far as I am aware all problems at LBL have been dealt with by either Paul Foster or Barry Pilgrim

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Oh boy ....i respect the fact that you dont like getting out a magnifying glass to check contracts and parer work however the sheer volume of the disgusting behaviour by lbl and mm would suggest members need to talk to each other and share their experiences and knowledge. Why should bump go and phone anyone..in the first instance it is illegal for a bailiff to distress a heavilly pregnant woman..ask any certificated bailiff..this is sound factual advice that could help other members too. You seem desperate for bump to contact whoever at lbl to quietly sort the problem out. Why?????? if enough of us make a noise against criminal action and rough trading who knows we may suceed. as for advocating debt avoidance i suggest you also do some research ....bump HAS PAID!!! been harassed and attaked by bullies whilst being pregnant!! i think the integrity of this site and members remains.

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thanks for all your advice & help, been a week nearly now and still no car back on my drive............ Payment has gone through and they still insisting they have 2 wait 7days before they can return the car to me. told them that i have hospital app to attended but they rnt bothered. I ring them everyday and they put me through to reposessions, giving me the same crap everyday each time i ring. I have tried to be as civilised as i can with them but cant take any more. I speak 2 3 different people in that department and they are always misrable, speak down to me and dam rite nasty.. My little boy is petrified everytime sum1 knocks at the door on a night now thinking its them men coming back and i think that is totally bang outa order.


Im ringing police today to see what they can do and putting a form in at court , asked for bill of sale and payment sheet so i can see what they have added on interest, charges etc



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And bump, when you get your car back and your statement of charges, etc, you can then claim them back!!


Best wishes, hope you are well and bump is behaving xx



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




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