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    • Thanks for all the suggestions so far I will amend original WS and send again for review.  While looking at my post at very beginning when I submitted photos of signs around the car park I noticed that it says 5 hours maximum stay while the signage sent by solicitor shows 4 hours maximum stay but mine is related to electric bay abuse not sure if this can be of any use in WS.
    • Not sure what to make of that or what it means for me, I was just about to head to my kip and it's a bit too late for legalise. When is the "expenditure occured"?  When they start spending money to write to me?  Or is this a bad thing (as "harsh" would imply)? When all is said and done, I do not have two beans to rub together, we rent our home and EVERYTHING of value has been purchased by and is in my wife's name and we are not financially linked in any way.  So at least if I can't escape my fate I can at least know that they will get sweet FA from me anyway   edit:  ah.. Sophia Harrison: Time bar decision tough on claimants WWW.SCOTTISHLEGAL.COM Time bar is a very complex area of law in Scotland relating to the period in which a claim for breach of duty can be pursued. The Scottish government...   This explains it like I am 5.  So, a good thing then because creditors clearly know they have suffered a loss the minute I stop paying them, this is why it is "harsh" (for them, not me)? Am I understanding this correctly?  
    • urm......exactly what you filed .....read it carefully... it puts them to strict proof to prove the debt is enforceable, so thus 'holds' their claim till they coughup or not and discontinue. you need to get readingthose threads i posted so you understand. then you'll know whats maybe next how to react or not and whats after that. 5-10 threads a day INHO. dont ever do anything without checking here 1st.
    • I've done a new version including LFI's suggestions.  I've also change the order to put your strongest arguments first.  Where possible the changes are in red.  The numbering is obviously knackered.  Methinks stuff about the consideration period could be added but I'm too tired now.  See what you think. Background  1.1  The Defendant received the Parking Charge Notice (PCN) on the 06th of November 2020 following the vehicle being parked at Arla Old Dairy, South Ruislip on the 05th of December 2019.  Unfair PCN  4.1  On XXXXX the Defendant sent the Claimant's solicitors a CPR request.  As shown in Exhibit 1 (pages 7-13) the solicitors helpfully sent photos of 46 signs in their evidence all  clearly showing a £60.00 parking charge notice (which will  be reduced to £30 if paid within 14 days of issue).  There can be no room for doubt here - there are 46 signs produced in the Claimant's own evidence. 4.2  Yet the PCN affixed to the vehicle was for a £100.00 parking charge notice (reduced to £60 if paid promptly).  The reminder letters from the Claimant again all demanded £100. 4.3        The Claimant relies on signage to create a contract.  It is unlawful for the Claimant to write that the charge is £60 on their signs and then send demands for £100.   4.4        The unlawful £100 charge is also the basis for the Claimant's Particulars of Claim. No Locus Standi 2.1  I do not believe a contract exists with the landowner that gives MET Parking Services a right to bring claims in their own name. Definition of “Relevant contract” from the Protection of Freedoms Act 2012, Schedule 4,  2 [1] means a contract Including a contract arising only when the vehicle was parked on the relevant land between the driver and a person who is-  (a) the owner or occupier of the land; or  (b) Authorised, under or by virtue of arrangements made by the owner or occupier of the land, to enter into a contract with the driver requiring the payment of parking charges in respect of the parking of the vehicle on the land. According to https://www.legislation.gov.uk/ukpga/2006/46/section/44  For a contract to be valid, it requires a director from each company to sign and then two independent witnesses must confirm those signatures.  2.2  The Defendant requested to see such a contract in the CPR request.  The contract produced was largely illegible and heavily redacted, and the fact that it contained no witness signatures present means the contract has not been validly executed. Therefore, there can be no contract established between MET Parking Services and the motorist. Even if “No Parking in Electric Bay” could form a contract (which it cannot), it is immaterial. There is no valid contract. Illegal Conduct – No Contract Formed  3.1 At the time of writing, the Claimant has failed to provide proof of planning permission granted for signage etc under the Town and Country Planning Act 1990. Lack of planning permission is a criminal offence under this Act and no contract can be formed where criminality is involved.  3.4        I also do not believe the claimant possesses this document.  No Keeper Liability  5.1        The defendant was not the driver at the time and date mentioned in the PCN and the claimant has not established keeper liability under schedule 4 of the PoFA 2012. In this matter, the defendant puts it to the claimant to produce strict proof as to who was driving at the time.  5.2 The claimant in their Notice To Keeper also failed to comply with PoFA 2012 Schedule 4 section 9[2][f] while mentioning “the right to recover from the keeper so much of that parking charge as remains unpaid” where they did not include statement “(if all the applicable conditions under this Schedule are met)”.    5.3        The claimant did not mention the parking period instead only mentioned time 20:25 which is not sufficient to qualify as a parking period.   Protection of Freedoms Act 2012  The notice must -  (a) specify the vehicle, the relevant land on which it was parked and the period of parking to which the notice relates; 22. In the persuasive judgement K4GF167G - Premier Park Ltd v Mr Mathur - Horsham County Court – 5 January 2024 it was on this very point that the judge dismissed this claim. 5.4  A the PCN does not comply with the Act the Defendant as keeper is not liable.   Interest 6.2  It is unreasonable for the Claimant to delay litigation for four years in order to add excessive interest. Double Recovery  7.1  The claim is littered with made-up charges. 7.2  As noted above, the Claimant's signs state a £60 charge yet their PCN is for £100. 7.3  As well as the £100 parking charge, the Claimant seeks recovery of an additional £70.  This is simply a poor attempt to circumvent the legal costs cap at small claims. 29. Since 2019, many County Courts have considered claims in excess of £100 to be an abuse of process leading to them being struck out ab initio. An example, in the Caernarfon Court in VCS v Davies, case No. FTQZ4W28 on 4th September 2019, District Judge Jones-Evans stated “Upon it being recorded that District Judge Jones- Evans has over a very significant period of time warned advocates (...) in many cases of this nature before this court that their claim for £60 is unenforceable in law and is an abuse of process and is nothing more than a poor attempt to go behind the decision of the Supreme Court v Beavis which inter alia decided that a figure of £160 as a global sum claimed in this case would be a penalty and not a genuine pre-estimate of loss and therefore unenforceable in law and if the practise continued, he would treat all cases as a claim for £160 and therefore a penalty and unenforceable in law it is hereby declared (…) the claim is struck out and declared to be wholly without merit and an abuse of process.” 30. In Claim Nos. F0DP806M and F0DP201T, District Judge Taylor echoed earlier General Judgment or Orders of District Judge Grand, stating ''It is ordered that the claim is struck out as an abuse of process. The claim contains a substantial charge additional to the parking charge which it is alleged the Defendant contracted to pay. This additional charge is not recoverable under the Protection of Freedoms Act 2012, Schedule 4 nor with reference to the judgment in Parking Eye v Beavis. It is an abuse of process from the Claimant to issue a knowingly inflated claim for an additional sum which it is not entitled to recover. This order has been made by the court of its own initiative without a hearing pursuant to CPR Rule 3.3(4)) of the Civil Procedure Rules 1998...'' 31. In the persuasive case of G4QZ465V - Excel Parking Services Ltd v Wilkinson – Bradford County Court -2 July 2020 (Exhibit 4) the judge had decided that Excel had won. However, due to Excel adding on the £60 the Judge dismissed the case. 7.7        The addition of costs not previously specified on signage are also in breach of the Consumer Rights Act 2015, Schedule 2, specifically paras 6, 10 and 14.  7.8        It is the Defendant’s position that the Claimant in this case has knowingly submitted inflated costs and thus the entire claim should be similarly struck out in accordance with Civil Procedure Rule 3.3(4).  In Conclusion  8.1        I invite the court to dismiss the claim. Statement of Truth I believe that the facts stated in this witness statement are true. I understand that proceedings for contempt of court may be brought against anyone who makes, or causes to be made, a false statement in a document verified by a statement of truth without an honest belief in its truth. 
    • Scottish time bar: Scottish appeal court re-affirms the “harsh” rule (cms-lawnow.com)  
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Mobile Money - is the contract correctly drawn up?


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Hi Everybody,

I have been stupid in taking out a Mobile Money Loan for £4k against my car! I needed the money quickly and had hoped to pay it off very quickly from some funds that were due to me. Alas, I have still to receive the expected funds and worried about being able to continue to pay these people (and if not losing my car!).

 

I can see from a few posts here that if all of the paperwork has been signed by the same person then it may not be valid. This is actually the case with my paperwork - the Bill of Sale was witnessed by the same guy who signed the agreement for the lender. In fact he was the only one in the shop at the time (all his colleagues were on holidays).

 

First of all - is the above correct?

 

Secondly, if so, I am minded to take them on over this. Can anyone suggest a solicitor who has had experience in this area please?

 

Thanks.

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Guest Old_andrew2018

Have you considered up-loading the paperwork, I am sure one of the experts will advise, please remember to edit out personally identifiable information.

 

Andy

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Hi Everybody,

I have been stupid in taking out a Mobile Money Loan for £4k against my car! I needed the money quickly and had hoped to pay it off very quickly from some funds that were due to me. Alas, I have still to receive the expected funds and worried about being able to continue to pay these people (and if not losing my car!).

 

I can see from a few posts here that if all of the paperwork has been signed by the same person then it may not be valid. This is actually the case with my paperwork - the Bill of Sale was witnessed by the same guy who signed the agreement for the lender. In fact he was the only one in the shop at the time (all his colleagues were on holidays).

 

First of all - is the above correct?

 

Secondly, if so, I am minded to take them on over this. Can anyone suggest a solicitor who has had experience in this area please?

 

Thanks.

 

If that's the case as you state, he may have not followed the BoS correctly even better is to see if it was registerd correctly at the courts, they must be done withing 7 days of you signing. Did you sign a Credit Agreement at the same time? as stated, post up without personal details in photobucket, then the members can have a look.

Are you behind in payments now?

 

trooper68

Trooper68:)

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If that's the case as you state, he may have not followed the BoS correctly even better is to see if it was registerd correctly at the courts, they must be done withing 7 days of you signing. Did you sign a Credit Agreement at the same time? as stated, post up without personal details in photobucket, then the members can have a look.

Are you behind in payments now?

 

trooper68

 

Hi,

Thanks for the advice; I have now uploaded a copy of the docs - all signed at the same time by me and the MM parts all signed in my presence, by the same guy!

 

I will try and find out if the BOS has been correctly registered at the courts. Any idea how I go about this please?

 

Not yet behind in payments. About to pay first one. Wife is going mad with me for getting into this. But needs must sometimes!

scan of mm agreement.pdf

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Hi,

Thanks for the advice; I have now uploaded a copy of the docs - all signed at the same time by me and the MM parts all signed in my presence, by the same guy!

 

I will try and find out if the BOS has been correctly registered at the courts. Any idea how I go about this please?

 

Not yet behind in payments. About to pay first one. Wife is going mad with me for getting into this. But needs must sometimes![/quote

 

 

I've had a look, the witness and the lender is the same person, I can see the occupation of the witness- Manager, Hmm did she benifit from the sale? commision?. So it's looking a bit shaky there for them, did you see if the BoS is done at the courts within 7 "clear" days?

anyone seen anything i've missed?

The payments on the first page are not the same as the second, which is it, not looking to good there, its looking unenforcable, but, the site/members to confirm?

 

And they have charged you at 280.1% for 6 months at a little bit further down is states 249.9% is that apr or monthly??

 

Not looking to good for them.

 

Now before you take these guys on, hide the car if you can or get a court order preventing them from taking it or clamping it.

 

 

 

trooper68

Trooper68:)

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Hi,

Thanks for the advice; I have now uploaded a copy of the docs - all signed at the same time by me and the MM parts all signed in my presence, by the same guy!

 

I will try and find out if the BOS has been correctly registered at the courts. Any idea how I go about this please?

 

Not yet behind in payments. About to pay first one. Wife is going mad with me for getting into this. But needs must sometimes![/quote

 

 

I've had a look, the witness and the lender is the same person, I can see the occupation of the witness- Manager, Hmm did she benifit from the sale? commision?. So it's looking a bit shaky there for them, did you see if the BoS is done at the courts within 7 "clear" days?

anyone seen anything i've missed?

The payments on the first page are not the same as the second, which is it, not looking to good there, its looking unenforcable, but, the site/members to confirm?

 

And they have charged you at 280.1% for 6 months at a little bit further down is states 249.9% is that apr or monthly??

 

Not looking to good for them.

 

Now before you take these guys on, hide the car if you can or get a court order preventing them from taking it or clamping it.

 

 

 

trooper68

 

Thanks. Much appreciated.

 

I will find out about the BOS and post details here when I ascertain if it was correctly registered.

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Now before you take these guys on, hide the car if you can or get a court order preventing them from taking it or clamping it.

 

 

 

trooper68

 

HIDE THE CAR!!!

 

Even if you have a court order which prevents them from taking the car or clamping it... they STILL WILL. Then they have your car and will argue it out in the courts (all the time you are carless).

 

To them you are just a few grand........ small fry. Having no car for you is a major hassle. AND THEY KNOW THIS!! so they will still take your car even if they have been ordered not to. And i know this from experience. I had an injunction ordering them to release the clamp on my car within 24 hours.... did they do it? did they buggery. Did they turn up for a court hearing? Did they buggery.... they couldnt care less and think they are above the law..... dirty thieves.

 

UKD.

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HIDE THE CAR!!!

 

Even if you have a court order which prevents them from taking the car or clamping it... they STILL WILL. Then they have your car and will argue it out in the courts (all the time you are carless).

 

To them you are just a few grand........ small fry. Having no car for you is a major hassle. AND THEY KNOW THIS!! so they will still take your car even if they have been ordered not to. And i know this from experience. I had an injunction ordering them to release the clamp on my car within 24 hours.... did they do it? did they buggery. Did they turn up for a court hearing? Did they buggery.... they couldnt care less and think they are above the law..... dirty thieves.

 

UKD.

Wow! Thanks for that advice. I thought that I would have been safe with an injunction and that is the way I was about to proceed! I have to be extra careful since they have the spare keys!!

 

Can I ask - did you beat them in the end? Surely, they would be liable for massive damages for defying a court order!!

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Hi Everybody,

I have been stupid in taking out a Mobile Money Loan for £4k against my car! I needed the money quickly and had hoped to pay it off very quickly from some funds that were due to me. Alas, I have still to receive the expected funds and worried about being able to continue to pay these people (and if not losing my car!).

 

I can see from a few posts here that if all of the paperwork has been signed by the same person then it may not be valid. This is actually the case with my paperwork - the Bill of Sale was witnessed by the same guy who signed the agreement for the lender. In fact he was the only one in the shop at the time (all his colleagues were on holidays).

 

First of all - is the above correct?

 

Secondly, if so, I am minded to take them on over this. Can anyone suggest a solicitor who has had experience in this area please?

 

Thanks.

 

Just so you know i have done the same thing as you, Not for as much money mine was £400 tuesday night they took my car and my dad had to buy it back wensday which he did, I phoned all the high courts of london and solictors citezen advise everyone i could possibley think of who could help, Mobile money do take up everything by the book with the high courts, They do not need to be any independ whitnesses as you and the person who takes out the loan are both supposed to read the small print ect, I have aruge everything i could and checked to see if it was all filled out correctly and it was! But it was only me and the other guy too which i thought i could do something regarding that but i couldnt either! You have a 4 week cool off perioud which can be taken but you do need to start making payments or contact a manger and tell them you cant come up with it and offer a lower payment but then again you need to contact the high courts of london and ask them to suspend the sezie of your car, I moved address from where my loan was taken out and they found me! if you lock your car away they will just follow you and take it from work or a car park where you leave it they had been following me for about 2 week and took it after a hour of me coming in.

Zara-Lea :p

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Just so you know i have done the same thing as you, Not for as much money mine was £400 tuesday night they took my car and my dad had to buy it back wensday which he did, I phoned all the high courts of london and solictors citezen advise everyone i could possibley think of who could help, Mobile money do take up everything by the book with the high courts, They do not need to be any independ whitnesses as you and the person who takes out the loan are both supposed to read the small print ect, I have aruge everything i could and checked to see if it was all filled out correctly and it was! But it was only me and the other guy too which i thought i could do something regarding that but i couldnt either! You have a 4 week cool off perioud which can be taken but you do need to start making payments or contact a manger and tell them you cant come up with it and offer a lower payment but then again you need to contact the high courts of london and ask them to suspend the sezie of your car, I moved address from where my loan was taken out and they found me! if you lock your car away they will just follow you and take it from work or a car park where you leave it they had been following me for about 2 week and took it after a hour of me coming in.

 

Thanks for that. This is useful information. The picture of what these guys get up to is frightening! I am going to take them on, but will have to be very very careful !!!

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Thanks for that. This is useful information. The picture of what these guys get up to is frightening! I am going to take them on, but will have to be very very careful !!!

 

Contact trading standers, Also Citizens advise in your local area, And also if you contact the high courts of london they can tell you over the phone for free if they are planning on taking your car (i rang them this morning i was a day late but they still told me they was within there rights) Mobile money do have a reg number with them! But you can apply over the phone to suspend any plans of them taking it aswell, Do it by the book that way they can not take your car, If you contact Citizen advise they will give you the best legal aid and 9times out of 10 its a free serivce aswell if you go to normal solictor your going to get a big bill, they can not enter a building without a bailift but they will try saying they are one but honeslty they are not, they can not touch u either one of them went to push me away from my car till my father pulled up and said you touch my lil girl and i'll break your legs mate! Try your best to suspend any out going stuff with the high courts of london and while eva u have a suspension on going they cant take it! ive got loads of info from citzens advise and im going to try everything i can into getting my money i paid back to get my car back of the bastards!

Zara-Lea :p

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Took out a log book loan with MOBILE MONEY stupid stupid stupid

 

Anyway they wrote to me my wife saw letter and rand them up THEY THEN PROCEEDED TO TELL HER all my PRIVATE INFORMATION on the LOAN how much when repayments etc....

 

A COMPLEAT breach of confidentiality , because of this my wife has become very upset and chucked me out !!! Now I'm out of my home cant vsee my kid and having to pay rent and a mortgage !!!

 

 

Now I cannot afford the Repayment

 

I complained Mobile Money wrote saying sorry but it was "HUMAN ERROR" like F**K it was i told them under no circumstances was my business to disclosed to anyone , there website assures confidentiality so did the staff so that is contracted clause in my agreement with them privacy !!

 

I have suffered a huge lose due to this breach of CONFIDENTIALITY, I wrote to Mobiler oney asking for a little time to sort myself out !!

 

They said NO

 

I think any judge in the LAND will see this as them causing me to have a loss

 

aNy advice /help people

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Took out a log book loan with MOBILE MONEY stupid stupid stupid

 

Anyway they wrote to me my wife saw letter and rand them up THEY THEN PROCEEDED TO TELL HER all my PRIVATE INFORMATION on the LOAN how much when repayments etc....

 

A COMPLEAT breach of confidentiality , because of this my wife has become very upset and chucked me out !!! Now I'm out of my home cant vsee my kid and having to pay rent and a mortgage !!!

 

 

Now I cannot afford the Repayment

 

I complained Mobile Money wrote saying sorry but it was "HUMAN ERROR" like F**K it was i told them under no circumstances was my business to disclosed to anyone , there website assures confidentiality so did the staff so that is contracted clause in my agreement with them privacy !!

 

I have suffered a huge lose due to this breach of CONFIDENTIALITY, I wrote to Mobiler oney asking for a little time to sort myself out !!

 

They said NO

 

I think any judge in the LAND will see this as them causing me to have a loss

 

aNy advice /help people

 

 

Hey, They did this with me but it was my dad they told (im only 22), You need to contact trading standers and citzens advise bueruo, Most there paper work is void, the use threatening words (i.e small print says they can break and open door to gain your car) which they cant do either! 9 times out of 10 the whitness is the person who gives you the loan so that makes the boS void too, while you have this going you need to contact the high courts of london and ask them to suspend anything they have going, I got my car taken and my dad bought it back, and my dad told me to leave it but i aint going to on there paper work mobile money have made 3 errors on mine and i have all there paper work and everything from trading standers what makes it void! Only thing is mines in a million bits and had to tape it back together! Also you are intitled to 4 weeks hoilday/sick!

Zara-Lea :p

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Hi Everybody,

I have been stupid in taking out a Mobile Money Loan for £4k against my car! I needed the money quickly and had hoped to pay it off very quickly from some funds that were due to me. Alas, I have still to receive the expected funds and worried about being able to continue to pay these people (and if not losing my car!).

 

I can see from a few posts here that if all of the paperwork has been signed by the same person then it may not be valid. This is actually the case with my paperwork - the Bill of Sale was witnessed by the same guy who signed the agreement for the lender. In fact he was the only one in the shop at the time (all his colleagues were on holidays).

 

First of all - is the above correct?

 

Secondly, if so, I am minded to take them on over this. Can anyone suggest a solicitor who has had experience in this area please?

 

Thanks.

 

Hey sum great news for you this morning after hours of reading the papers i got from trading standers i can now tell you that the person who gave you the loan can not be the whitness who signs the bos!! also if you read the small print on your paper work! which is 1 error! 2) on mine it says the may damage any doors windows ect to obain the vechical does it say this on yours too? if so its also void's the BoS! Im going to a solictor today to give them all my paper work and see if i have a fighting chance i know ive paid mine off but surely there something we can all do to get these bastards done!

Zara-Lea :p

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Hey sum great news for you this morning after hours of reading the papers i got from trading standers i can now tell you that the person who gave you the loan can not be the whitness who signs the bos!! also if you read the small print on your paper work! which is 1 error! 2) on mine it says the may damage any doors windows ect to obain the vechical does it say this on yours too? if so its also void's the BoS! Im going to a solictor today to give them all my paper work and see if i have a fighting chance i know ive paid mine off but surely there something we can all do to get these b*****ds done!

 

 

Hi z4r4l3a

 

Can you post up the copy of the TS paperwork? It would be helpfull to all on the Cag website.

 

trooper68

Trooper68:)

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Hi z4r4l3a

 

Can you post up the copy of the TS paperwork? It would be helpfull to all on the Cag website.

 

trooper68

 

I dont Know how to do it ive tried but my computer wont do it 4 some reason. I can fax any1 the copys if they need them or pop them in the post if any1 wants to sending them

Zara-Lea :p

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Hey sum great news for you this morning after hours of reading the papers i got from trading standers i can now tell you that the person who gave you the loan can not be the whitness who signs the bos!! also if you read the small print on your paper work! which is 1 error! 2) on mine it says the may damage any doors windows ect to obain the vechical does it say this on yours too? if so its also void's the BoS! Im going to a solictor today to give them all my paper work and see if i have a fighting chance i know ive paid mine off but surely there something we can all do to get these b*****ds done!

 

Good work.

 

We will sort these guys out between us.

 

Just checked my agreement - it has exactly the same clause re damaging doors and windows!! Although in my case, they have the spare keys ! Doh!

 

I need to find out how exactly to check if the BOS was registered in time with the courts. Can any one tell me please?

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The high courts of london 0845 4568770 if you phone them up they will tell you that the are registered and if you pay £5.00 over the phone you can have it in wrighting, Is both parts of yours signed by the same person? Also if you dont mind me asking where in the uk are you?

Zara-Lea :p

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The high courts of london 0845 4568770 if you phone them up they will tell you that the are registered and if you pay £5.00 over the phone you can have it in wrighting, Is both parts of yours signed by the same person? Also if you dont mind me asking where in the uk are you?

 

Thanks; I will call them and check the dates of the BOS.

 

Yes, my agreement was signed by the same person. He was the only guy in the office; the rest were on holiday! PM sent re my location.

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Thanks; I will call them and check the dates of the BOS.

 

Yes, my agreement was signed by the same person. He was the only guy in the office; the rest were on holiday! PM sent re my location.

 

They have to have someone there other than the person who took the loan out to be a whitness, Your best of contacting the high courts of london and also trading standers! Im defo not letting this drop with the they put me down as a mr as well i aint no man! so all in all theres 4 mistakes on mine hence the reason the twats rang me the nexted day offering to buy my car back!

Zara-Lea :p

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  • 3 weeks later...

Hi all, Me and my wife brought a car 3 months ago from a private seller! last firday we had someone come to our door from mobile money saying they own our car as the previous person took out a logbook loan but never paid. They have giving us the option to pay £701 or they will take the car at 11am tomorrow!! We only paid £600 for the car but spent £350 getting it through its m.o.t last month.

 

I brought this car in good faith but they said they dont care, They have a bill of sale in place to say they now own the car!!

 

Can anyone please help me in anyway

 

Thankyou all

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Thankyou for that advise, They are arriving today at 11am but the car wont be here! I called the courts yesterday to check the B.O.S but the courts told me there was not one in place, so it is going to be very interesting when LBL turn up today as they told me they will bring the B.O.S with them to show me, I will keep you updated!!

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