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    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
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    • Oven repair. https://www.consumeractiongroup.co.uk/topic/427690-oven-repair/&do=findComment&comment=5073391
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    • I came across this discussion recently and just wanted to give my experience of A Shade Greener that may help others regarding their boiler finance agreement.
       
      We had a 10yr  finance contract for a boiler fitted July 2015.
       
      After a summer of discontent with ASG I discovered that if you have paid HALF the agreement or more you can legally return the boiler to them at no cost to yourself. I've just returned mine the feeling is liberating.
       
      It all started mid summer during lockdown when they refused to service our boiler because we didn't have a loft ladder or flooring installed despite the fact AS installed the boiler. and had previosuly serviced it without issue for 4yrs. After consulting with an independent installer I was informed that if this was the case then ASG had breached building regulations,  this was duly reported to Gas Safe to investigate and even then ASG refused to accept blame and repeatedly said it was my problem. Anyway Gas Safe found them in breach of building regs and a compromise was reached.
       
      A month later and ASG attended to service our boiler but in the process left the boiler unusuable as it kept losing pressure not to mention they had damaged the filling loop in the process which they said was my responsibilty not theres and would charge me to repair, so generous of them! Soon after reporting the fault I got a letter stating it was time we arranged a powerflush on our heating system which they make you do after 5 years even though there's nothing in the contract that states this. Coincidence?
       
      After a few heated exchanges with ASG (pardon the pun) I decided to pull the plug and cancel our agreement.
       
      The boiler was removed and replaced by a reputable installer,  and the old boiler was returned to ASG thus ending our contract with them. What's mad is I saved in excess of £1000 in the long run and got a new boiler with a brand new 12yr warranty. 
       
      You only have to look at TrustPilot to get an idea of what this company is like.
       
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    • Dazza a few months ago I discovered a good friend of mine who had ten debts with cards and catalogues which he was slavishly paying off at detriment to his own family quality of life, and I mean hardship, not just absence of second holidays or flat screen TV's.
       
      I wrote to all his creditors asking for supporting documents and not one could provide any material that would allow them to enforce the debt.
       
      As a result he stopped paying and they have been unable to do anything, one even admitted it was unenforceable.
       
      If circumstances have got to the point where you are finding it unmanageable you must ask yourself why you feel the need to pay.  I guarantee you that these companies have built bad debt into their business model and no one over there is losing any sleep over your debt to them!  They will see you as a victim and cash cow and they will be reluctant to discuss final offers, only ways to keep you paying with threats of court action or seizing your assets if you have any.
       
      They are not your friends and you owe them no loyalty or moral duty, that must remain only for yourself and your family.
       
      If it was me I would send them all a CCA request.   I would bet that not one will provide the correct response and you can quite legally stop paying them until such time as they do provide a response.   Even when they do you should check back here as they mostly send dodgy photo copies or generic rubbish that has no connection with your supposed debt.
       
      The money you are paying them should, as far as you are able, be put to a savings account for yourself and as a means of paying of one of these fleecers should they ever manage to get to to the point of a successful court judgement.  After six years they will not be able to start court action and that money will then become yours.
       
      They will of course pursue you for the funds and pass your file around various departments of their business and out to third parties.
       
      Your response is that you should treat it as a hobby.  I have numerous files of correspondence each faithfully organised showing the various letters from different DCA;s , solicitors etc with a mix of threats, inducements and offers.   It is like my stamp collection and I show it to anyone who is interested!
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Let the police deal with this, the car can only be repossessed with a court order, tell the police that he has threatened to smash the window....(take the number plate too) I'd also ask to see some identification, and ring the company up where he has appeared from !!

PLEASE NOTE - I am not a legal expert, what is stated is my own opinion and from what I have learnt from this forum and my own experiences.

 

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if he has any authority at all he would have had a tow truck and been opff with the car by now, he is just trying it on

Lula

 

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thanks 42man :-) I bet he drives off before the police get there, try and get a picture of him and his licence plate

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if he has any authority at all he would have had a tow truck and been opff with the car by now, he is just trying it on
he has the tow truck just not taken the car
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because legally he cannot

Lula

 

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they can only lift with a court order and he has to be a certified bailiff by the court, you have had nothing to say that there is any action and you are not the person named on the papers, so basically he is stuffed

Lula

 

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Do you have any friends/neighbours close by who can witness it too ?

PLEASE NOTE - I am not a legal expert, what is stated is my own opinion and from what I have learnt from this forum and my own experiences.

 

DEBT COLLECTION LETTER/SAR/AGREEMENT TEMPLATES ARE HERE - http://www.consumeractiongroup.co.uk/forum/content.php?65-legislation

 

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PLEASE NOTE - I am not a legal expert, what is stated is my own opinion and from what I have learnt from this forum and my own experiences.

 

DEBT COLLECTION LETTER/SAR/AGREEMENT TEMPLATES ARE HERE - http://www.consumeractiongroup.co.uk/forum/content.php?65-legislation

 

IF WE HAVE BEEN HELPFUL -PLEASE, PLEASE, PLEASE GIVE A DONATION TO HELP US TO CONTINUE HELPING YOU

 

I AM HAPPY TO RECEIVE PM's AND I WILL RESPOND IF I FEEL I CAN ASSIST BUT WHEN YOU DO CAN YOU PLEASE PROVIDE A LINK TO YOUR THREAD ON WHICH YOU WOULD LIKE ME TO COMMENT - THANK YOU

 

IMPORTANT - If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.

Before you decide,consider the users here who have already offered help and support.

Private message facilities are offered for users to communicate issues that are/or could be seen to be inappropriate for posting on the main forum.Site rules explain this in more detail.

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they can only lift with a court order and he has to be a certified bailiff by the court, you have had nothing to say that there is any action and you are not the person named on the papers, so basically he is stuffed

law centre also state the paper work from the courts need to be the origanel papers headed with the courts details with the court stamp all i have seen is copies and i dont think thats on letter headed from the courts so now i will sit hear wait for the police let him sweat it out thanx for your help everyone

 

can believe what lenghs they gp to now the guy is in a longdales top pair of jeans and a baseball cap with steal toe caps

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if the thugs sorry baliffs come to the door they should have a visible blue badge with the SIA logo on it + photo. SIA stands for Security industry Authority this a legal requirement that they must have. if they dont ask them if have a licence dispensation number (this is what they get when they are waiting on their badge to arrive) if the dont have ldn then contact the local police *******THEY ARE WORKING ILLEGAL************ sometimes the police are slow to get involved as they think it is a private matter. Quote - the security industry act 2001. also contact the SIA they have the legal powers to prosecute and fine the individual and company.

the SIA has been in England and Wales for approx. 2 years and only in scotland a couple of months.

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this was interesting, 42man, the OP isnt even the person that took out the loan, he is an innocant party that bought the car in good faith

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if he has court papers then he has to be a court appointed bailiff, so you need the court phonenumber and his name and certification number or no dice matey

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Right, I see where you are coming from, If all else fails tr this

Be minded that when you are in default on a loan, where a 'collection agent' comes to collect the car, they do not need to have a SIA licence.

 

Also SIA licences are not held by Companies - they are held and registered to the individual.

 

LBL will inform any police officer of this fact when you report that the collection agent has no SIA licence - and this disarms the police power to make a lawful arrest and advise you that it is a civil matter.

 

I beleive it becomes a criminal matter when LBL seeks to enforce on an account where the debt is disputed and has not been resolved to the satisfaction of both parties......

 

You should be able in this instance to rely on 'the Harassment of a person in their home' - criminal justice & police Act 2001 may help along with laws pertaining to 'Harassment of debtors' - Administration of Justice Act 1970 s 40

 

Also - 'Breach of the peace' - Magistrates Court Act 1980 s115

 

If you quote these Acts to a police officer, he may be able to rely ont these laws or one of them to abate the action of a collection agent by making a verbal undertaking between the parties that the collection agent can take no action to enforce the debt without first resolving the dispute.

 

My advise would be; that at the instance you are in dispute with Log Book Loans you should inform both the local police and the OFT of a possible 'breach of the peace' on a loan in dispute, and let LBL know you have taken this action. the oft email address is enquiries@oft.gsi.gov.uk

 

This should let all parties know that you are aware of your civil right which is that where LBL have not resolved the matter or cannot resolve the matter, they must follow legal protocol, and storming in to take your car would not be legal protocol. forumbox_top_left.gifforumbox_top_tile.gifforumbox_top_right.gifforumbox_left_tile.gifclose.gif Debt collection library Follow this link to our debt collection library.

This library contains templates and advice for dealing with debt collectors who act oppressively or unfairly.

This library is work in progress and will be built up over the next few weeks.

17.03.09

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Lula

 

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think perhaps your only hope maybe that you bought the car in good faith etc etc

Lula

 

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Licence Number:0458150

Licence Status:Current

 

Current Applicant / Licensee:

 

Business NameCompany Registration NumberLog Book Loans Limited3636230

 

Licence Notes:

 

StageDateMinded To Revoke13-Mar-2009

 

Categories:

 

Consumer credit Consumer hire Credit brokerage Credit reference agency Debt adjusting/counselling Debt collecting

 

Right To Canvass Off Trade Premises:No

 

 

Issued Date: 11-Nov-1998

Expiry Date: 03-Aug-2011

 

 

Legal Formation:

 

Body Corporate (incorporated inside UK)

 

Current Individuals that run the organisation:

 

NamePositionBarry Kenneth PilgrimOFFICERDavid John BarnettOFFICERIain Laurie ShearerOFFICERJames Richard De Bruyker DawesOFFICERMatthew Heap

 

Historic Individuals that run the organisation:

 

NamePositionBarry PilgrimOFFICERChristopher John DonnachieOFFICERJames DawesOFFICERMr Albert William CookOFFICERMr James Peter SpratleyOFFICERMr Mark Andrew HareOFFICERMr Mark HareOFFICERRichard Charles CookOFFICER

 

Current Address(es):

 

Address TypeAddressPrincipal Place Of BusinessBridge Studios, 34A, Deodar Road, Putney, London, SW15 2NNRegistered OfficeBridge Studios, 34A, Deodar Road, Putney, London, SW15 2NN

 

Historic Address(es):

 

Address TypeAddressCorrespondenceKnoll House 82, Wheathampstead Road, Harpenden, Herts, AL5 1JBPrincipal Place Of Business44, Town Centre, Hatfield, Herts, AL10 0JJPrincipal Place Of BusinessThe Grove, North Road, South Ockendon, Essex, RM15 6SSRegistered Office9, Bluecoats Avenue, Hertford, SG14 1PBRegistered OfficeVictoria House 64, Paul Street, London, EC2A 4NA

PLEASE NOTE - I am not a legal expert, what is stated is my own opinion and from what I have learnt from this forum and my own experiences.

 

DEBT COLLECTION LETTER/SAR/AGREEMENT TEMPLATES ARE HERE - http://www.consumeractiongroup.co.uk/forum/content.php?65-legislation

 

IF WE HAVE BEEN HELPFUL -PLEASE, PLEASE, PLEASE GIVE A DONATION TO HELP US TO CONTINUE HELPING YOU

 

I AM HAPPY TO RECEIVE PM's AND I WILL RESPOND IF I FEEL I CAN ASSIST BUT WHEN YOU DO CAN YOU PLEASE PROVIDE A LINK TO YOUR THREAD ON WHICH YOU WOULD LIKE ME TO COMMENT - THANK YOU

 

IMPORTANT - If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.

Before you decide,consider the users here who have already offered help and support.

Private message facilities are offered for users to communicate issues that are/or could be seen to be inappropriate for posting on the main forum.Site rules explain this in more detail.

If you are approached by private message with a view to asking you to visit another website,please inform the site team via the report icon.

 

Forum rules - http://www.consumeractiongroup.co.uk/forum/forum-rules-please-read/9-forum-rules-please-read.html

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Did you manage to tell him that you were going to report him and his company to Trading Standards nd the OFT who you know are looking into their worthiness to hold a credit licence?

Lula

 

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anything happening?

Lula

 

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If a loan or hire purchase agreement is still outstanding on a car, the finance company will retain a legal interest in the vehicle until the loan is repaid in full. If the loan is not repaid, the car could be repossessed.

 

If you are asked to pay the outstanding finance, you could do this and then issue a summons in court for recovery of that amount from the person who sold it to you. They will need a court order so don't hand anything over just yet.

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If a loan or hire purchase agreement is still outstanding on a car, the finance company will retain a legal interest in the vehicle until the loan is repaid in full. If the loan is not repaid, the car could be repossessed.

 

If you are asked to pay the outstanding finance, you could do this and then issue a summons in court for recovery of that amount from the person who sold it to you. They will need a court order so don't hand anything over just yet.

 

nothinh happening but he is saying he will smash the window they have offered me the car for 1200 butthey want it in full i dont have that money

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have the police not been?

Lula

 

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have the police not been?

police been turns out with a bill of sale they are the legal owners of the car and have the right to take it and have done look on bright side kept the f@@kers hanging around for a few hours

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I wish I'd been around when this was happening. :mad:

 

I'm moving the thread to the LBL forum where I'm sure there will be others who can advise you.

 

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

:p

 

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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Hi madace.

 

You are in the same position as us, we bought a car in April 08 for it to be took from us in December 08. Please read the thread ARE YOU A THIRD PARTY VICTIM. We had part f our story in the Daily mirror in march if you send private message we can pass you some names and numbers that may be of use to you. Will not give them out over public view as you never know if lbl are looking here.

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The assumption that LBL 'Bills of Sale' are legally binding remain just that - an assumption. Until this lot are tried in court and a judgement is made on the validity of these documents then it remains an assumption.

Cases brought against LBL so far are either still ongoing or have been settled by 'part 36' offers, when LBL pay the claimant a sum of money they cannot refuse. The rules of 'part 36' unfortunately are that if an offer is made and not taken up, and the same or similar amount awarded in court in a trial, then the claimant becomes liable for the defendants costs (a high profile example of this was the Jimmy Nail case against one of the tabloids)

All we do know is that LBL would rather pay out large sums of money than have the validilty of their documents proved or disproved in a court of law. I'll let you draw your own conclusions from that...

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The assumption that LBL 'Bills of Sale' are legally binding remain just that - an assumption. Until this lot are tried in court and a judgement is made on the validity of these documents then it remains an assumption.

Cases brought against LBL so far are either still ongoing or have been settled by 'part 36' offers, when LBL pay the claimant a sum of money they cannot refuse. The rules of 'part 36' unfortunately are that if an offer is made and not taken up, and the same or similar amount awarded in court in a trial, then the claimant becomes liable for the defendants costs (a high profile example of this was the Jimmy Nail case against one of the tabloids)

All we do know is that LBL would rather pay out large sums of money than have the validilty of their documents proved or disproved in a court of law. I'll let you draw your own conclusions from that...

 

am i right in sayin a b.o.s needs to be dated plus signed by each person or a least one person (one being the rep of the loan company one witness aswell with address supplied and the main applicatent) if any of these were missing could or would this make it void

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