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ISIT ME

 

1)Explain, why would it be silly to post how you won the case. This site is all about helping people with solutions. There are 100’s of posts on advice about how to challenge, none of them ending in success, so the reason for not posting the secret formula you have and just teasing with “I know how to do it and won’t tell you” is......? You would benefit 100’s of people desperate for the solution on this site, so why not say?

Edited by boocoo
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Let's keep it civil, if not on topic please.

Always happy to help where I can!

:lol:

Beware of legal advice given on a private forum - do you REALLY know who is posting? Are they REALLY accountable for their posts? What if you follow their advice and get something wrong?

It was Winston Churchill who said; "Democracy is the worst way to run a country except for all the others"

 

Advice and comments posted by car2403 are offered purely without prejudice. They reflect only my personal opinion and do not represent the opinion of this forum or it's management. You should always seek legal advice from a qualified legal advisor. As a member of the site team, I disable reputation - reputation points mean nothing, please check my posting credentials yourself and make an informed decision. You shouldn't PM me and await a reply - I may be too late with a response. No replies will be given in Private Messages - just as with getting advice from the forum, getting advice via Private Messages is dangerous. CAG is about sharing successes so others can follow your example, this is primarily why I'm here, so please don't be offended if I don't offer replies in PM that doesn't comply with this. Help CAG to help others by keeping your thread up to date.

 

 

USEFUL LINKS; New User Guide to CAG | Can't find what you're looking for? | Intro to Consumer Credit Litigation | Is My Agreement Enforceable | Default (Surleybonds) Template Letter | Defaults - background, removal methods, challenges and taking a claim to Court | Digital Signature Guide | Overdrafts and the CCA

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Apologies car. I can asure you I dont wish for this to turn into bebo either, I do however resent slurs, bad language, and false accusations merly based on someone not liking my honest views which were not in the least aggresive compared to the reply I got. I wont be bullied by someone who dislikes people who have opposing view points.

 

I end it here though

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Differing opinions are good - that's how we learn from each other.

 

Slanging matches aren't and will be removed if continued.

Always happy to help where I can!

:lol:

Beware of legal advice given on a private forum - do you REALLY know who is posting? Are they REALLY accountable for their posts? What if you follow their advice and get something wrong?

It was Winston Churchill who said; "Democracy is the worst way to run a country except for all the others"

 

Advice and comments posted by car2403 are offered purely without prejudice. They reflect only my personal opinion and do not represent the opinion of this forum or it's management. You should always seek legal advice from a qualified legal advisor. As a member of the site team, I disable reputation - reputation points mean nothing, please check my posting credentials yourself and make an informed decision. You shouldn't PM me and await a reply - I may be too late with a response. No replies will be given in Private Messages - just as with getting advice from the forum, getting advice via Private Messages is dangerous. CAG is about sharing successes so others can follow your example, this is primarily why I'm here, so please don't be offended if I don't offer replies in PM that doesn't comply with this. Help CAG to help others by keeping your thread up to date.

 

 

USEFUL LINKS; New User Guide to CAG | Can't find what you're looking for? | Intro to Consumer Credit Litigation | Is My Agreement Enforceable | Default (Surleybonds) Template Letter | Defaults - background, removal methods, challenges and taking a claim to Court | Digital Signature Guide | Overdrafts and the CCA

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  • 2 weeks later...

Can anyone tell me that is the account in dispute if you are arguing over the charges as they are chasing me with solictors and I welcome them to take me to court as charges and lots of other issues will occur if they do this ,awaitng my reply from the OFT, will let you know regardless if LBL are reading this

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  • 2 weeks later...

OK so I hear what you say about their paperwork and BOS being watertight,

But, the fact is, the BOS that Log Book Loans entered into Court against me has no date,

the wording is not the same as the legal requirement,

there is no High Court Seal.... etc..

.but they have not actually entered a full document, only the cover page of the BOS with my name on it...

 

what's more interesting to me in my fight with them is:

The Interest Rate on their Bill of Sale states simply 84%.

This was advised verbally.

I could understand that as this does not say 'Typical APR' then it could mean that I would be paying a 'Typical APR' of circa 126%..

 

 

 

However, there is also of course the Credit Agreement,

which states an APR of 308.1% which was not explained,

nor was I told that it was at a different rate to the Bill of Sale Interest rate.

 

The agent who sold me these, was working as usual out of a cash convertor type of shop.

I understand from the CCA that this shop should at the very least,

provide information on LBL and the Typical APR.( which most of them Don't)

Quite apart from not being advised of the two different APR Rates....:-x

 

Does this mis selling and mis representation of the true charges and interest rates make for a better line of attack??:-|

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  • 2 months later...

I've just seen this thread.......

 

In summary, it is clear - there are many ways to defend ones consumer rights - very much depends on the individual circumstance that an individual finds themselves in and the evidence you have to rely upon.

 

It is also a known fact; that whilst the comments of Boocoo suggest that LBL have not been 'tested' by the OFT since 2006, that on the 16/10/09 - the OFT determined to revoke the traders licence and they currently trade on the basis of their appeal only - I think this says a lot, and answers a lot of the points asserted by Boocoo as to the Traders alleged legal trading methods.

 

Posting actual outcomes on the forum is an area that will begin to happen more frequently; but it needs to be accepted that such outcomes will only begin to appear over a period of time.

 

The first step is to work towards getting actual, factual legislation on the forum that consumers can view, research for themselves, and implement as and when required, as and where, and if; the information applies to them - this is a means of moving away from; what may have appeared as 'points of view' or 'in my opinion'. By getting the points of Law posted - this will help work toward important Legal information being available without it being lost to a 'private message'.

 

Where a cagger has successfully won a case on the concept of being 'mis-sold' as in Boocoo case;or any other concept of Law; we should try to engage such caggers to submit useful legal information for the forum - we don't necessarily have to argue the reasoning for taking such a route - just to understand the legal process taken and the relative legislation that got the desired result.

 

There are those of you; who would quickly pick up on any errors in legislation - should any legal info unwittingly be posted that may mis-lead consumers. (this being forthcoming by way of your own clear knowledge of the Law and individual consumers experiences that are known to you).

 

We are not here to 'score' browny points - non of us would be foolish enough to seek to encourage any consumer to 'outwit' the Law - we are here in a joint effort to empower each other to stick up for ones consumer rights.

 

All touts should be encouraged to come on the site - as they will come to be left with No doubt that caggers take their consumer rights seriously and work hard to ensure that the OFT and other regulators are always made aware as to when any such consumer law is affected and that the Police, courts and adjudificators are well armed with the necessary information to take action against 'rogue' traders who abuse the re-mit of the licence they trade under.

 

 

Apple ; )

[COLOR="red"][B][CENTER]"Errors do not cease to be errors simply because they’re ratified into law.” [/CENTER][/B][/COLOR][B][CENTER] E.A. Bucchianeri[/CENTER][/B]

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OFT phoned me today, Thursday 3rd December. They have asked for a statement with regard to all transactions I have had with LBL. Since they finally revoked the credit licence of LBL, they are now gathering as much evidence as possible to take to court to block the appeal by LBL. They have also asked if I would be prepared to be a witness ( which I am )

Armed with this new I urge everyone to get in touch with OFT in LOndon who are handling the LBL appeal and provide as much info as you can to block this company from trading......:!:

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Seconded!!!!

 

It is clear that OFT strongly believe they have an opportunity to take this trader to account at this time.

 

I read posts that advise of the size of this trader and its financial power..blah, blah, blah....

 

But there is no power or money mightier than the LAW... flout it and you will be penalised....SIMPLE!!!

 

The law flouted in this case is - CONSUMER LAW - that's ME and YOU - they say money talks - but so can consumers!!!!

 

Get your information to the OFT quickly and let your voice be heard!!!

 

 

Apple : )

[COLOR="red"][B][CENTER]"Errors do not cease to be errors simply because they’re ratified into law.” [/CENTER][/B][/COLOR][B][CENTER] E.A. Bucchianeri[/CENTER][/B]

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