i need help with mobile money please

[japhajoe1]

Hi can any1 tell me if mobile money can use a bill of sale that is dated nearly a year after the original loan loan date ?. i will explain a little more , i signed for a loan in dec 2007 and for the first six months we paid without fail and at the end as we didnt have enough to pay off the outstanding so we re signed and have carried on then re signed again six months later and so on until now. we recon that we have paid in the region of £5,000/£6,000 back to mobile money on the £2,000 loan we took out and they have informed us that we still owe them £2,174. i have asked them for a copy of the bill of sale and a statement of the account . i have recieved the copy of the bill of sale with a blank piece of paper stapled to it with a court stamp on it dated a year after the loan agreement was 1st signed. does this still allow them to re possess my car?

[Mori1976]

Bills of Sale must be registered with the Courts of Justice within 7 days of signing the bill otherwise the bill is unenforceable.

[japhajoe1]

the bill of sale has been registered twice and the official reciever has said that the car is the property of mm through default by myself and he has no claim on it but it was said if i can stop them taking the car any other way thats upto me

[Mori1976]

The rules in relation to the use of Bills of Sale are clear and state that the bill of sale must be registered within 7 days of signing both the consumer credit agreement and the bill of sale document, otherwise the debt is unenforceable. I would suggest you take your documents to your local Trading Standards Dept, or take the matter to the small claims court for resolution. If the bill of sale has not been processed correctly and is not witnessed by an independant individual (a person not a party to the contract) it can not be enforced I have seen the MM documents and they are flaued but you will need a county court judge to make a judgement for you.

[japhajoe1]

the guy that witnessed the signing of the contract no longer works for mm but last time i saw him he worked in an office down the hall. he said he had left because he didnt like the way they did their buisness, and was working for an insurance co .

[ukdeveloper]

The rules in relation to the use of Bills of Sale are clear and state that the bill of sale must be registered within 7 days of signing both the consumer credit agreement and the bill of sale document, otherwise the debt is unenforceable. I would suggest you take your documents to your local Trading Standards Dept, or take the matter to the small claims court for resolution. If the bill of sale has not been processed correctly and is not witnessed by an independant individual (a person not a party to the contract) it can not be enforced I have seen the MM documents and they are flaued but you will need a county court judge to make a judgement for you.

 

 

Hiya,

 

When i signed my original loan agreement there was nobody else present (no witnesses), just me and the [EDIT] in the mm office. How does this affect the lawfullness of the agreement?

 

Also, is there a way I can go to my local county court judge and get him to rule the agreement unenforcable, then slap it on the desk of MM with a polite "stick that up your sherrifs badge?"

 

or does there have to be a court case which would have to go in my favour to get this response?

 

UKD

Edited July 9, 2009 by alanfromderby

[actionblusox]

in my case loans were extended so i could pay, last loan was for £3,000, to pay off 2nd loan of £2000 and they worked out the 12-18 month total has £13,000? owed???

i crapped myself but i was forced into it, thats wrong anyone agree?

help!

extortionate or what?

[ldal558]

my bos with m money was signed and witnessed by the same person,,,,my car was stolen and written off but mmoney are claimming off my ins company,,,help what can i do ???