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    • Hearing held today in court. I attended in person and Evri had an advocate attend on their behalf to defend their position that my contract is with Packlink and not with them. I also provided a copy of Evri's terms and conditions which explains that a contract is entered into when a parcel is sent with Evri. The judge pointed this out to the Advocate and agreed there is a contract between me and Evri under the Ts and Cs. The judge explained that while Packlink are responsible for organising the delivery of the item, it is Evri who are responsible for handling the goods and delivering them, and therefor Evri has a responsibility to handle the goods with reasonable care and skill. So am pleased to say the judge found in my favour. Hearing lasted about 75mins. Evri has been ordered to make payment within 21 days. Also nice to meet @jk2054 in person.
    • Good morning,    I just wanted to update you on the situation.    I have visits piling up with my current employment and they need doing before I finish at the end of this month.  I am moving to Wiltshire in 3 weeks for a new job helping care homes with their Dementia patients. I tried to work it out and at a guess I will be doing about 20-25,000 miles a year. So need a vehicle that can cope with that mileage, my old car would have done it easy but 🤷‍♂️ I have taken out a loan and got a friend to find me a reliable car that can cope with the miles and hasn't been written off in the past.   I phoned Adrian flux to see if I could use the last months insurance on a new car I have bought, the girl I spoke to phoned Markerstudy and asked them but they said no, my new car doesn't have any modifications.    I had an email from someone who saw one of my appeals for information, they live near the site of the accident and know a nearby farmer who has a security camera at his entrance that catches the traffic and specifically registration plates as he has been robbed before. They said they would reach out for me and see if he still has the data. Unfortunately it wont catch the scene of the crash.   The Police phoned me and said they were closing the report I made, even if they found footage of the vehicle at the time I said the actual incident would be my word vs theirs.  My first response was I am sure google maps would show that they turned around at that location which would verify my version of events, but upon reflection I do understand, I have seen people doing make up with both hands while driving, eating from a bowl steering with their knees and veering all over the place. I am sure some of these people go off the road and claim that someone forced them off.    Markerstudy phoned me yesterday to say that my car is now at Copart, the £80 tank of Vpower diesel was emptied on entry to the site for safety reasons, which I get but it sucks.  It is awaiting being assessed and shouldn't be too long, which is a relief.  I am really glad things do not seem to be going the way of the other stories and they seem to moving quickly.   However I was informed that my car was a structural write off before I bought it - this destroyed me, I was almost sick.  and this is going to affect any offer of money - after hearing the first statement this didn't affect me.   They need to wait for the assessor to check it over but it is highly likely to be written off and the maximum they can offer is £2300.  I was desperate for a car as I was working for an agency at the time, no work no pay, and did not do a vehicle check because I didn't know about them.  The seller did not tell me that it had been structurally written off, he told me that it had the front wing damaged while parked and was repaired at an approved repairer.  Markerstudy records state that it was sold at auction, no record of repair at an approved repairer.  I bought it bank transfer with hand written receipt.    It gets worse.    It turns out my airbags should of gone off. For some reason they are not working. I think we can figure out why.  If I had hit that car head on and had no airbags.    Some good news.    I can arrange a time with Copart to go and take my stereo equipment and any personal items that are left in the car only. I cant live without music and need quality sound, my speakers and amps are Hertz and JLaudio, (no I am not a boy racer with booming subs, I am an audiophile on a budget) I was really worried I wouldn't get them back so this is a huge relief for me. It is stuff I have built up over years of saving and collecting. Everything to do with the vehicle and mods I have declared need to stay to be assessed.   The accident has gone as a fault on my record, I have to remove 2 years NCB which means I still have some to declare which is good.  So it appears at this point that it may be resolved quickly, not in the way I was hoping, but not as bad as I presumed it was going to be based upon that tow truck drivers attitude and behaviour and the horror stories I read.   I am not going to buy the car back and try to make money with all the parts on it, I don't have the time or energy.   I may need an xray on my back and neck.  The whole situation has left me feeling physically sick, drained and I need it done.   The lesson learnt from this  -  My conscience is 100% clear, my attitude to safety and strong sense of personal responsibility - A rated tyres even if on credit card, brake fluid flush every year, regular checks of pads and discs, bushes etc, made avoiding what I believed to be a certain broadside collision possible.   Get a dashcam (searching now for the best I can afford at the moment)  -  Research your insurance company before you buy  -  Pay for total car check before you go and see a car and take someone with you if you are not confident in your ability to assess a vehicle.      Thank you to everyone here who volunteers their time, energy and information, it is greatly appreciated.  You helped my sister with some advice a while ago but we weren't able to follow through, she is struggling with long term health conditions and I ended up in hospital for a while with myocarditis, when I got out and remembered it was too late.  I am going to make a donation now, it is not a lot, I wish I could give more, I will try to come back when things are on a more even keel.    Take care
    • It seems the solicitor has got your case listed for this “appeal” but not for the Stat Dec(SD). You need to ensure you can perform your SD on the day. If you are able to make your SD in court, the situation you are in now is more straightforward than if you made your SD via a solicitor. You have been convicted of two offences (and two were dropped) via proceedings of which you were not aware. The way to remedy that is to perform an SD. No appeal is necessary (nor is it available via the magistrates’ court). If you are able to make your SD this is how I see it panning out: You will make your SD to the court. The court must allow you to make it as it will have been made within 21 days of you discovering your convictions. You will then be asked to enter pleas to the four charges again. At this point you should plead not guilty to all four but make the court aware that you will plead guilty to the speeding charges on the condition that the FtP charges are dropped. The prosecutor will be asked whether or not this is agreed. In my opinion the overwhelming likelihood is that it will be. If it is you will be sentenced for the two speeding offences under the normal guidelines. In the unlikely event it is not accepted,  the speeding charges will be withdrawn (they have no evidence you were driving). You have no viable defence to the FtP charges and so should plead guilty. This will mean 12 points and a “totting up” ban (as you have already suffered). You can present an “Exceptional Hardship” argument to try to avoid this (explained below).   Because of this, I don’t see any need to make an argument to ask to have any ban suspended (pending an appeal to the Crown Court) unless and until you are banned again. The only reason I can think the solicitor suggested this is to secure a (Magistrates')  court date. I was surprised when you said you had an appointment so quickly; a date for an SD usually takes longer than that. However, if you can use it to your advantage, all well and good. I can’t comment on the argument that the two speeding offences were committed “on the same occasion” as I don’t have the details. That phrase is not defined anywhere and is a matter for the court to decide. It’s an interesting thought (and only that) that such an argument could equally be made for the two FtP offences. If the requests for driver’s details arrived at your old address at the same time, with the same deadline for reply, it could be argued that you failed to respond to hem both “on the same occasion” (i.e when the 28 days to respond expired) and so should only receive penalty points for one. Hopefully you won’t need to go there. I think you have information about avoiding a “totting up” ban. But here’s the magistrates’ latest guidance on "Exceptional Hardship" (EH) which they refer to: When considering whether there are grounds to reduce or avoid a totting up disqualification the court should have regard to the following: It is for the offender to prove to the civil standard of proof that such grounds exist. Other than very exceptionally, this will require evidence from the offender, and where such evidence is given, it must be sworn. Where it is asserted that hardship would be caused, the court must be satisfied that it is not merely inconvenience, or hardship, but exceptional hardship for which the court must have evidence; Almost every disqualification entails hardship for the person disqualified and their immediate family. This is part of the deterrent objective of the provisions combined with the preventative effect of the order not to drive. If a motorist continues to offend after becoming aware of the risk to their licence of further penalty points, the court can take this circumstance into account. Courts should be cautious before accepting assertions of exceptional hardship without evidence that alternatives (including alternative means of transport) for avoiding exceptional hardship are not viable; Loss of employment will be an inevitable consequence of a driving ban for many people. Evidence that loss of employment would follow from disqualification is not in itself sufficient to demonstrate exceptional hardship; whether or not it does will depend on the circumstances of the offender and the consequences of that loss of employment on the offender and/or others. I must say, I still do not understand what the solicitor means by “As a safeguard we have lodged the appeal and applied to suspend your ban pending appeal due to the time limit for being able to automatically appeal without getting leave of the Judge.” When they speak of “leave of the judge” I assume they mean they have lodged an appeal with the Crown Court. I don’t know what for or why they would do this. It seems to follow on from their explanation of the “totting up” ban. If so, I’m surprised that the Crown Court has accepted an appeal against something that has not yet happened. But as I said, i is no clear to me. Only you can decide whether to employ your solicitor to represent you in court. If it was me I would not because there is nothing he can say that you cannot say yourself. However, I am fairly knowledgeable of the process and confident I can deal with it. That said, I do have a feeling that the solicitor is somewhat “over egging the pudding” by introducing such things as appeals to the Crown Court which, in all honesty, you can deal with if they are required. I can only say that the process you will attempt to employ is by no means unusual and all court users will be familiar with it. I can also say that I have only ever heard of one instance where it was refused. In summary, it is my view that it is very unlikely that your offer to do the deal will be refused. If it is accepted, you may be able to persuade he court that the two speeding offences occurred "on the same occasion" and so should only receive one lot of points. Let me know the details (timings, places, etc) and I'll give you my opinion. Just in case your offer is refused, you should have your EH argument ready. Whether it's worth paying what will amount to many hundreds of pounds to pay someone to see this through is your call.  Let me know if I can help further.    
    • This must be part of the new tactic from Evri.  They know they are going to lose. They take it to the wire and then don't bother to turn up in order to save themselves costs and of course they don't give a damn about the cost to the British taxpayer and the extra court delays they cause. This is a nasty dishonest company – but rather in line with all of the parcel delivery industry which knows that their insurance requirements are unlawful. They know that their prohibited items are for the most part unfair terms. They know for the most part that a "safe place" is exactly what it means – are not left on somebody's doorstep in full view. They know that obtaining a signature means that they have to show the signature not simply claim that they received a signature. They are making huge profits especially from their unlawful and unenforceable insurance requirement. Although this is less valuable than the PPI scandal, in terms of the number of people who are affected nationwide, PPI pales into insignificance. I hope the paralegals working for Evri are proud of themselves and they tell their families what they have done during the day when they go home.
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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Log Book Loans Licence Revoked by OFT!!!!


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Hi All

 

Some of us will already be aware that the Office Of Fair Trading have 'issued a determination to revoke the Traders licence"

 

The Determination was made on the 16th October 2009.

 

This means that the Office of Fair Trading have essentially revoked the licence of the Trader.

 

Current Applicant / Licensee:

Business NameCompany Registration NumberNine Regions Limited4286387

Licence Notes:

 

EvtStageOpen DateNotes6Determined To Revoke16/10/2009 6Minded To Revoke13/03/2009

 

 

Event Details:

 

 

Event TypeDate of ReceiptClosed DateStatusNotification23-Apr-2009 27-Apr-2009 CompletedRevocation17-Mar-2009 UnknownRenewal18-Dec-2006 19-Feb-2007 CompletedNotification18-Oct-2004 19-Oct-2004 CompletedNew Licence App15-Nov-2001 02-Jan-2002 Completed

 

 

 

 

However, the Trader has 28 days to Appeal this decision and the Traders licence is still in force until the Appeal process is completed.

 

Be minded consumers that the Appeal process can take months - so don't all take your cars out of hiding just yet......

 

There will be those of you who may be in the process of taking this trader to court or they may be taking you to court - whatever the position - the OFT are interested in seeing any documents that you may have..... including:

 

  • Bills of Sale
  • Consumer Credit Agreements
  • Default Notices
  • Termination Notices
  • Arrears Letters
  • Statements of Account
  • Arrears Letters

For those of you that may have taken the court route they will be interested to see:

  • Particulars of Claim by or against the Trader
  • Case Summaries
  • Synopsis of Issues
  • Counterclaims
  • Defence to any counterclaim etc etc.,

Any information you want to submit can be sent to:

 

[email protected]

 

Please make sure you put the following reference on each document to ensure it does not get 'lost':

 

"F.A.O: Julita Losowki/2N/17"

 

or for those of you who have details of another case manager within the OFT - send your information to them direct - ask them for their 'location' code so that your information gets to them safely.

 

Lastly: you must give the OFT written authority giving the OFT permission to use the information you send as evidence, please indicate this in your email that you send and the OFT will send you a 'authorisation' form for you to sign.

 

Additionally - If you are happy to give evidence in person at any future trial; then please let Julita or your case manager at the OFT know and they will ensure you are given details of the trial date well in advance - subject to space being available I'm sure....

 

Please act swiftly to ensure that the OFT can continue to have a full indication of what is happening for consumers on the ground as this is what empowers the OFT to take action!!!!!

 

Apple : )

  • Haha 1

[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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Thank you for this. I have used it as the basis for an announcement

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Thank You, that is fantastic - Any which way the information can best get to the consumers the better!!!

 

Once again Thank You

 

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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Hi

 

Hide it - then inform the OFT - they will request a copy of your BoS and write back to you to advise if it is valid or not.

 

If you get confirmation from the OFT that it is an invalid document - this will help you immensley.

 

Then get a copy of the registered docs from the HCJ (costs £5.00) details of what information you need to submit to them is on other posts I have done, but when you write to the HCJ - in your letter ask them if the documents have been correctly executed and if not, has any application been made to rectify the registration?

 

IF the response comes back announcing that neither of these things have ocurred - this then strengthens your case further.

 

I would then write to the trader and advise them that the Bill of Sale has been found by their regulatory and the HCJ to be an invalid document (if this should be found to be the case) always make sure you send a copy of any communication with the trader to the OFT and let the trader know that a copy of your findings has been sent to the OFT (always good practice to let them know that the OFT are informed of their activities)

 

IF any licensed 'bailiffs' come to your home - ask them for thier Credit Licence details - and note this - advise them that you will be informing the OFT that they have attended your property to possess a vehicle under a BoS that is unenforceable and if they persist you will be requesting that the OFT consider revocation of their licence and inform them that the OFT has already determined to revoke the licence of the trader they are 'working' on behalf. (they may make out that they are not aware of any such thing - let them know - that YOU are letting them know)

 

No matter what they say - no matter what the 'bailiff' does - (so long as your car is in hiding this is) at this stage - ask them to leave your premises and thank them for their information and let them know the matter WILL DEFINATELY be reported to the OFT.

 

When your report them - send them a copy of your letter to the OFT - so they know they have been reported.

 

If every consumer does this - there will be very few licenced 'bailiffs' who will want to act on behalf of LBL's

 

Anglian Uk are another kettle of fish altogether - as they are unlicensed as far as I am aware - with these - simply call the police - report them to crimestoppers, the SIA and the OFT - again if enough consumers do this - the Police and the SIA will have to take notice and take action.

 

If you are visited by Anglian - Call the police immediately citing a breach of the peace and trespass - When the police come - and Anglian show the police the phoney BoS - you will have ready the ammunition you need - a copy of the OFT's determination and any authoritive proof that you have had from the OFT and the HCJ - give copies to the police - and explain, that the 'bailiff' is not registered to collect debt and the document they are showing has been found by high authority to be invalid and as such they have no right to be on your premises and you would like to exercise your civil right to report them for trespass and acting in such a manner as to incite a breach of the peace. (Trooper68 will this be enough to get a crime number?)

 

Gosh - apologies for the length of this - my brain is on overload again - but I hope this is of use for you : )

 

Don't give in - you have rights - use them to your best effect : )

[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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Hi

 

Hide it - then inform the OFT - they will request a copy of your BoS and write back to you to advise if it is valid or not.

 

If you get confirmation from the OFT that it is an invalid document - this will help you immensley.

 

Then get a copy of the registered docs from the HCJ (costs £5.00) details of what information you need to submit to them is on other posts I have done, but when you write to the HCJ - in your letter ask them if the documents have been correctly executed and if not, has any application been made to rectify the registration?

 

IF the response comes back announcing that neither of these things have ocurred - this then strengthens your case further.

 

I would then write to the trader and advise them that the Bill of Sale has been found by their regulatory and the HCJ to be an invalid document (if this should be found to be the case) always make sure you send a copy of any communication with the trader to the OFT and let the trader know that a copy of your findings has been sent to the OFT (always good practice to let them know that the OFT are informed of their activities)

 

IF any licensed 'bailiffs' come to your home - ask them for thier Credit Licence details - and note this - advise them that you will be informing the OFT that they have attended your property to possess a vehicle under a BoS that is unenforceable and if they persist you will be requesting that the OFT consider revocation of their licence and inform them that the OFT has already determined to revoke the licence of the trader they are 'working' on behalf. (they may make out that they are not aware of any such thing - let them know - that YOU are letting them know)

 

No matter what they say - no matter what the 'bailiff' does - (so long as your car is in hiding this is) at this stage - ask them to leave your premises and thank them for their information and let them know the matter WILL DEFINATELY be reported to the OFT.

 

When your report them - send them a copy of your letter to the OFT - so they know they have been reported.

 

If every consumer does this - there will be very few licenced 'bailiffs' who will want to act on behalf of LBL's

 

Anglian Uk are another kettle of fish altogether - as they are unlicensed as far as I am aware - with these - simply call the police - report them to crimestoppers, the SIA and the OFT - again if enough consumers do this - the Police and the SIA will have to take notice and take action.

 

If you are visited by Anglian - Call the police immediately citing a breach of the peace and trespass - When the police come - and Anglian show the police the phoney BoS - you will have ready the ammunition you need - a copy of the OFT's determination and any authoritive proof that you have had from the OFT and the HCJ - give copies to the police - and explain, that the 'bailiff' is not registered to collect debt and the document they are showing has been found by high authority to be invalid and as such they have no right to be on your premises and you would like to exercise your civil right to report them for trespass and acting in such a manner as to incite a breach of the peace. (Trooper68 will this be enough to get a crime number?)

 

Gosh - apologies for the length of this - my brain is on overload again - but I hope this is of use for you : )

 

Don't give in - you have rights - use them to your best effect : )

Thanks for your reply i am going to do exactly what you have said they wont find the car it is hidden somewhere miles away from the house! I'm not even going to use the car again jus not letting them win this battle :) Thanks again for your reply

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I've just seen your thread....

 

my inbox is open : )

 

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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Hi All

 

If Julita's email address is no longer available (she must have been inundated) then I suggest submitting your info to the main enquiries email address at:

 

[email protected]

 

Don't give up - they are there to help Consumers.

 

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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Do I presume people who are having problems with Log Book Loans, is because they have stopped paying them?

 

If you enter into a loan and you cant afford the repayments, why did you do it in the first place?

 

Thats called deception.

 

Yes the APR is high, but if you enter into a loan, you know the weekly payments, if you thought it was too high, why do it?

 

If they are wanting your car, its probally because you stopped paying them. If you agree to pay them every week, you pay them every week.

 

I know this may upset the "applecart" of general feelings, but ignorance is not a valid excuse.

 

Jim.

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Do I presume people who are having problems with Log Book Loans, is because they have stopped paying them?

 

If you enter into a loan and you cant afford the repayments, why did you do it in the first place?

 

Thats called deception.

 

Yes the APR is high, but if you enter into a loan, you know the weekly payments, if you thought it was too high, why do it?

 

If they are wanting your car, its probally because you stopped paying them. If you agree to pay them every week, you pay them every week.

 

I know this may upset the "applecart" of general feelings, but ignorance is not a valid excuse.

 

Jim.

 

Well Jim,

 

I dont have a loan with LBL. I brought a car which LBL said was free from finance only to take my car 5 months later at 6:45am in morning witout warning!!

 

So clearly you have not entered a loan or dealt with LBL in anyway.

Out of curiosity Jim… what makes you take interest in this forum?

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Do I presume people who are having problems with Log Book Loans, is because they have stopped paying them?

 

If you enter into a loan and you cant afford the repayments, why did you do it in the first place?

 

Thats called deception.

 

Yes the APR is high, but if you enter into a loan, you know the weekly payments, if you thought it was too high, why do it?

 

If they are wanting your car, its probally because you stopped paying them. If you agree to pay them every week, you pay them every week.

 

I know this may upset the "applecart" of general feelings, but ignorance is not a valid excuse.

 

Jim.

 

 

Hi Jim

 

You have made a valid points, but I do suggest that you read the forums before making blanket statements, the company you refer to act underhanded in thier methods, the post show that these people walk over innocent peoples rights under the delution that they are correct. They are not, on any grounds at all, be it the law or moral. They are the lowest denominater, sluggs if you will.

 

So before you go on forums and make statements look at the forums and read the posts. If you work for the said company, may i suggest you keep logging posts, this will only keep you amused for hours and stop you from your job, thus stopping you from speading more misery from claiming you own something thats not really yours.

 

nice try

 

trooper68

Trooper68:)

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Agreed Jon

 

I simply take offence at the use of the word "Applecart"....ha ha

 

Hope it's nothing to do with anything I may have said :lol:

 

 

Apple (for short)

[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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Troll patrol ;) Did'nt fix it for me :)

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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I’ve raised this before and been shot down but..

 

People who have LBL’s and other such products who are in a position of non payment should be put in 2 categories. Firstly ,those who were mis sold a loan, didn’t have it explained correctly, have been unable to reach a negotiated agreement once in trouble and those who are being mis treated by these companies and are genuine victims.[/font]

 

The other is people who took out a loan, knowing it was secured on the car, they now realise they shouldn’t have done it

 

 

Mr Fix it has simplified the issue in many ways and is a little naive, but is correct in others and that doesn’t mean he works for the dark side, it’s just a legitimate question[/font]

Edited by boocoo
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No one to my knowledge comes on here before defaulting, just trying to avoid payment. Its not them who are the problem but the unreasonable responses of LBL & their agents when they do default such as demanding immediate payment in full or sums that the debtor has no hope of raising within the time demanded

 

& had you read ALL of the LBL threads you would have realized it & if you think we encourage members to NOT pay we don't .......... unless the creditor is treating them badly

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Totally agree JonCris, you answer is well put and legitmate, it just doesnt help when this isnt the first answer someone with what I feel is a legitimate question ie "why take out a loan if you cant pay it back?" which IS a legtimate question gets. Instead of this polite and constructive reply, they get set on, which compounds the person who posed the questions view as they didnt get an answer they got abuse

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The debt collectors 'assume' ALL debtors are won't pays as opposed to can't pays which is what they are. There are very very few who avoid just for the sake of it as while you might have more money in your pocket as a result your life will be c*** because your credit status will be shot & you'll be denied all kind of facilities. ............. There are even plans afoot to stop people travelling through both local & national ports if they have debts on which they have defaulted. They intend to register CCJ's against your DVLA details It's already happened in Manchester where the police were stopping motorists on the bases they had outstanding parking charges which are civil debts ............. now how did that happen how did their ANPR camera identify these motorists as not having paid a parking charge ........ since when was it a criminal offence to NOT pay a parking charge ............ & when did it become OK for the police to detain the motorist until the debt collector arrives who will then demand payment

Edited by JonCris
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I’ve raised this before and been shot down but..

 

People who have LBL’s and other such products who are in a position of non payment should be put in 2 categories. Firstly ,those who were mis sold a loan, didn’t have it explained correctly, have been unable to reach a negotiated agreement once in trouble and those who are being mis treated by these companies and are genuine victims.[/font]

 

The other is people who took out a loan, knowing it was secured on the car, knowing that like any secured loan, be it a mortgage or a car, the asset is at risk if you don’t pay and most importantly knowing the payments and what they would be paid back regardless of the high apr, but will do anything to get out of paying because they now realise they shouldn’t have done it

 

This site should be about helping the first, but to pretend that there aren’t any in the second category who are just latching on to get out of paying back money that was lent to them but now take the view of “if I can get out f it I will” is naive and gives many people who are doing good on this site an image of helping spongers not just the needy.

 

Mr Fix it has simplified the issue in many ways and is a little naive, but is correct in others and that doesn’t mean he works for the dark side, it’s just a legitimate question[/font]

 

 

Hi Boocoo

 

I agree, there are people that do take loans and try to avoid paying them, there are people that take loans and get fleeced. In this thread, the LBL "victims" are to many, I have never had a BoS loan as with a couple of people on here we are victims, we have purchased cars with BoS on them or after we bought them. The only thing the F*ckwits want is the car, me and my partner are victims, plain simple, victims. I have had no dealings with LbL before the car was taken, but i'm gonna do anything to bring down there house of cards, anything. So if I can help people on a forum, research, or petition then I will.

 

trooper68

Trooper68:)

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Can I also say; it is a very rare breed that would take a loan with no intention of repaying the loan.

 

It has to be assumed that those that turn to the CAG for information, guidance, direction etc - do so, of there own accord.

 

Thankfully, it is very rare that anyone who turns to the CAG is very rarely disappointed.

 

The facts are openly debated and opinions are freely given.

 

The moral question is not 'if you could not pay - why did you take the loan'?..... but more, I would have thought, a question as to: - why do these companies enter a known market where the success rate of retrieving your monies is very low? and then seek to contravene the individuals civil rights in seeking redress???

 

It can't work - it mustn't be allowed to work and should never be tolerated!!!

 

Thank Goodness for CAG : )

[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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A whole host of great answers, that hopefully will change J Fix its mind. I have a friend who is the same situation with LBL. He lost his job, struggling to pay and the company are placing ridiculous charges on the account that means it’s now spiraling out of control and it will no doubt end in repossession. While they did appear to show a degree of sympathy and accept reduced payments, their patience wore thin quickly and its now not looking good. None of this was explained in full at the time of signing.

I have another friend who knows him loosely and takes the view, you borrowed the money, they haven’t changed the goalposts so if you can’t pay what do you expect. It’s a business not a charity and you knew that when you took the loan out. While this view is harsh it’s also a legitimate one many people have who aren’t connected with lending be it subprime or high street, it’s just their view and they are entitled to it.

This recent string of replies to me explains and justifies what this site does and is trying to do for the many victims, very well. Implying that Fix it is the son of the devil and must work for LBL, simply because he asks "why borrow and think you can get away not paying back?" doesn’t

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