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    • I'm trying to understand it all but I certainly tend to agree with my colleague @dx100uk that it looks as if you may have been taken for a ride. You found an advertisement for a bag on an online sales site. Instead of going through the established procedure of that site, which presumably allows them to recover a commission from the seller you started dealing directly with the seller who is an unknown person to you and of course that allowed the seller to avoid paying the commission. At whose suggestion was it that you went off-site? You then pay by PayPal but instead of logging it with PayPal as a payment for a purchased item, you tell PayPal that it was actually simply a gift or transaction between friends and family. This also allowed the seller to avoid paying a PayPal fee on the money. At whose suggestion was it that you paid in this way?       I don't say that you definitely have been scammed, but it doesn't look very good. This is how it might have happened: after you agreed to take the transaction off-site, so you lost the protection of the established system – and the seller avoided the commission and also avoided the sales site knowing that they had sold their item, you then agreed to pay the seller some money – but not for a purchase – simply as a gift. This has two consequences. Firstly, the seller avoids a PayPal fee and secondly, because PayPal has been misled as to the purpose of the payment, you lose the protection of PayPal if it turns out that you've been scammed or there is some other problem with the transaction. The seller then apparently sent you the parcel and they sent you pictures of a package with your address on it. Separately they sent you a Hermes tracking number – but there is no evidence that the package was actually posted to your address. The seller might simply have taken a picture with your address and sent that to you by way of reassurance – and then changed the label and posted the parcel to themselves but sent you a tracking number which is inaccessible to you and in respect of which you will be prevented from getting any information. All you've seen is a parcel with your address on it. All you've been given is a tracking number which satisfied you for a while until the parcel did not arrive and then when you started to make enquiries, you found that you were unable to access any details referring to the tracking number. Of course the tracking number says that the item was delivered – because maybe it was – but in that case it was delivered to the address on the parcel which might have been the seller's own address – or the address of a friend. I don't want to say that this is definitely how it happened, but it is a plausible scenario. Of course Hermes is an awful lot of parcels – but on the other hand I expect that most of the parcel is that going to Hermes hands are delivered successfully. We only get the bad stories on this forum. I can imagine that Hermes rate of successful deliveries is better than 97% because otherwise people wouldn't simply just hate them, they would go out of business.   We can help you bring a complaint against Hermes if you want. However, on the basis of what you say, the odds are stacked against you but it would be useful to try and find out the address which was associated with tracking number. As far as your apparent willingness to travel hundred and 50 miles to ask for your money back, don't bother. If you did actually go there, are you sure that the seller actually lives at the address that you have been given? What evidence do you have that? Of course if you found that the seller didn't reside at that address then it is slamdunk that you have been scammed. But then what are you going to do? You can try to inform the police but of course it won't get you anywhere. You can inform the sales website – but they will say that you brought it on yourself because you agreed to go off-site. You can inform PayPal – that they will say that because you sent the money which was calculated to avoid their fees, you have lost the protection. If you travelled the 150 miles and found that the seller did reside at that address, do you really think that they are going to hand your money over to you? If they are acting dishonestly then they will simply say that it is nothing to do with them, that they addressed it all correctly and they don't understand what has happened and that this is simply Hermes up to their old tricks. What are you going to do? You simply risk getting into a very nasty argument and depending on how bad it went, you might even find that the police are called and I'm afraid that they would be looking at you – not the seller. Maybe you can answer the questions that I've post above as to who it is who initiated the various ways of doing business.    
    • The legal campaign's going well then. The recount in Wisconsin gave Trump more votes but Biden even more, at a cost of $3m. And a donor to the organisation bringing the failed cases is suing to get his $2.5m back.   https://www.theguardian.com/us-news/2020/nov/28/joe-biden-gains-votes-in-wisconsin-county-after-trump-ordered-recount
    • Yes Unicorn feed tax again, can't sue the keeper for more than the Original Charge, so any additional Debt Collection fees aka the £60 they add is abuse,iof process as per HHJ Harvey at Lewes county Court What lookedinfroinfo is indicating is that the main signage on entry and dotted around is merely an " Invitation to Treat", not the offer, the Offer and Acceptance occurs at the payment machine, so wording there is key.
    • Hello and welcome to CAG.   People will be along later to advise you, please bear with us until they're able to get here.   In the meantime, I suggest you edit your attachment because you've left your name on it. Please check it carefully and remove anything that can identify you.   HB
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hi this is the first time i have posted on the forum

i have been reading the posts and trying hard to grasp the information i took a lbl out last year break up of marriage desperation anyway all was ok till dec startred suffering with depression had to cease work monthly payments where 39.20 somehow through charges i accrued 240 arrears paying 40.00 per week now cant cope strugglin on my own living on ssp paying mortgage etc went to cab they are too busy didint seem to know anything bout lbl or how to advise was shocked.

i dont want to lose my car its my lifeline at minute cant afford 40.00 per week having letters and txts from lbl reminding me (as if i need reminding every day) of arrears and my default please someone help advise needed not coping this is taking over my life !!!!!

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If you get no joy try the National Debt Line they are very helpful, if you are really struggling try CCCS they offer advice and can help to get payments reduced. There are letters you can send to help stop the phone calls. I am sure someone soon will come along with lots more knowledge than I have. I know you feel helpless but you will get loads of help from the people on this forum. I have. DG:)

I have no legal training my knowledge comes from my personal life experiences

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CCCS is the Consumer Credit Counselling Service you can find them on the web check out their website. If you ring them they will make an appointment to ring you back at a convenient time and date. It may just be worth your while having a chat with them. In most cases creditors accept their offers. As everyone will tell you what you haven't got they can't have. Please try to cheer up - everyone is here to help and we have all been in the same situation - in debt - and still are. You will get plenty of advice from this forum - the advice is from everyones own experiences.:) DG

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Thank you i have been reading this forum for a couple of weeks only there is such a lot to read its hard to take it all in and not knowing where to start this advice will help me to now move forward i hope and try to resolve this , i have read where they just come sometimes early ie 5 am and take the car is this still happening if so how do i prevent this ? Do lbl accept offers when i have tried to negotiate they just said if i could not afford the payments i should consider letting them take my car i originally had 1300 the settlement is 8000 they said if i pay now they would reduce this to 1900 i cant believe i have been so silly

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just trying to get you back onto first page DG

I have no legal training my knowledge comes from my personal life experiences

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browneydgirl

 

first

dont panic, we are all aware on log book loans, they are becomming as bad as welcome finance,

 

ill dig out some threads and post a links for you to know how these muppetts operate,

they can be beaten as they are nothing but legal loan sharks,

 

back soon

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Please don't worry we are all in the same boat or were that's why the help from this forum is great because people have been through and are going through exactly the same emotions as you are. Try to keep your chin up. DG:)

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Thank you DG have been reading some more threads from postggj trying to wade through the information have registered with national debt line via email maybe hear something tomorrow and contact lbl again with another offer ?

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Please do not sell your car. We had a car took of us because the owner before us took a lbl on it then stopped paying. We lost a lot of money as we have no rights to the car. We now fighting to get money back.

 

If you sell the car it can be took from the new owner, they don't have a leg to stand on other than taking you to court for fraud.

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Have spoken to cccs they have made an appointment for me to speak to one of their counsellors on 28th april who hopefully will be able to help me further with this nightmare thank you for all your advice.

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Please keep reading the threads they are very useful. If you get letters etc., anything that you need help with post them on your thread everyone will take a look and help. Only sorry I don't know anything as such on this subject. DG:)

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you can go to your local court and obtain an injunction which will prevent them from being able to take your car....at the same time ask the judge for a time order which will give you more time to pay. Its not difficult but if they arrive at your door they will take ur ar so get the order NOW.

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If you knlow someone with an empty garage put it in there when you don't need it. DG:)

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browneyedgirl...you need to go to your local court and fill in a form number N1 it will cost you 150 pounds but will stop them in their tracks. you apply for an injunction on the basis that they have threatened to take your car and you are disputing their bill of sale which you believe was not executed properly..ie if you did not sign it in front of an attesting solicitor then in terms of the bills of sale act 1878 ammendement act it is void. also tel him you are having difficulties financially and ask him to freeze the intrest and ask him for and extended time order. Also tell the judge they are a company of ill repute and that the oft are minded to revoke their license. you can verify this by looking at other threads on this site that refer to log book loans...im sure this will help if you do it.

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i havnt got 150 pounds i did not sign in front of a solicitor just their rep who signed as witness i have got telephone appointment with cccs on the 28th april just hope by keep paying the 40 a week it will keep the wolves at bay go without heating on my pr payment meter rather than lose my car !!!!!

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