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Logbook Loans: took my car from my driveway - help


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My car has been taken by Logbookloans in the past week. I have a very strong case against them (The matter is not in court). I cannot give too many details. Firstly, is there a committed journalist that I can liaise with that can expose these people even further even though they are already drinking from "The Last Chance Saloon". Secondly, I want to fill in a form N244. I would like to hear from any other person who has been able to get their car back by filling in this form. I will also definitely want to hear from JonCris and applecart and others. This damsel in distress needs your help.

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My car has been taken by Logbookloans in the past week. I have a very strong case against them (The matter is not in court). I cannot give too many details. Firstly, is there a committed journalist that I can liaise with that can expose these people even further even though they are already drinking from "The Last Chance Saloon". Secondly, I want to fill in a form N244. I would like to hear from any other person who has been able to get their car back by filling in this form. I will also definitely want to hear from JonCris and applecart and others. This damsel in distress needs your help.

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My car has been taken by Logbookloans in the past week. I have a very strong case against them (The matter is not in court). I cannot give too many details. Firstly, is there a committed journalist that I can liaise with that can expose these people even further even though they are already drinking from "The Last Chance Saloon". Secondly, I want to fill in a form N244. I would like to hear from any other person who has been able to get their car back by filling in this form. I will also definitely want to hear from JonCris and applecart and others. This damsel in distress needs your help.

 

 

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Trooper68:)

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Hi AliceLand,

 

I'm sorry to note your car was taken.

 

I'm also encouraged to note your mention of a 'strong case against them'.

 

As they have taken your car - you need to check just how strong your case may be.

 

The following occurrances may act as a quick check list:

 

To the best of your knowledge - is the Bill Of Sale uneneforceable?

 

To the best of your knowledge - did you pay a third or more against the loan?

 

To the best of your knowledge - do you ever re-call being left with a copy of the BoS immediately after signing it?

 

To the best of your knowledge - did the same person who witnessed the signing of the BoS also witness the CCA?

 

Is the BoS in the prescribed form?

 

Were you served a Default notice - is it correct? (all default notices served must contain all of the information under the Consumer Credit (Enforcement, Default and Termination Notices) Regulations 1983. As the Agreement with lbl will be a conditional Sale Agreement - it must also advise you that 'if you have paid at least a third of the total amount payable under the Agreement....The creditor may NOT take back the goods against your wishes unless he gets a court order. (In fact look up this regulation for full details).

 

Can I also refer you to Regulation 33 of the Consumer Credit (Information Requirements and Duration of Licenses and Charges) Regulations 2007 the default nnotice must from 1/10/08 also include notice of your right to end the agreement....

 

If you have paid more than a third - section 90 of the CCA 1974 states that your vehicle is 'protected' as they have possessed you vehicle and if this applies - you will be entitled by virtue of Section 91 of the CCA 1974 to a return of all of the money you paid to the creditor.

 

This is by no means an exhaustive list, but it may assist you to keep focus.

 

There are a number of options open to you in taking the matter forward - most may advise an injunction; but this would depend on your individual circumstance and you need to weigh up the pros and cons - what I mean is - lets say, you have paid more than a third; and they have taken your car - would it be better to go after them by virtue of Section 90 of the CCA 1974 - where you stand to get not only recompense for them having taken your car but in addition all the money you paid under the agreement???

 

Hope this helps : )

 

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 Alice. I've moved all the posts relevant to your problem to your own thread as it makes it easier to follow.

 

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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  • 1 year later...

A few days after my car was taken from my driveway by Log Book Loans I took out an injunction to prevent them from selling it. About a year later the Judge at the hearing ordered that my car be returned to me. Two weeks later my car was taken from my driveway.

 

The people who stole it asked my neighbour if the owner of the car was black. How did they know that I was black and what does colour have to deal with stealing a car? A car thief does not want to know who owns any car. He or she is only interested in the car. Only someone who has dealt with me could have given the car thieves that information. I can only guess who was behind it. The car has most likely been sold for scrap in the Enfield area. Naturally, I have reported the matter to the police but all they have done is place the car on a list of missing vehicles. Help!

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Queensclose, read carefully. I mentioned them in the first paragraph to give background info. But not in the second paragraph.

 

Secondly "Anyway logbook loans would have the reg. They would care who owned it" What does your second line mean. The English is not very clear.

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So, just so we have it clear, there was an injunction granted so LBL couldn't take the car and they still did?

Did they go back to court to have the injunction lifted do you know?

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LBL had already taken the car away and so I got an injunction preventing them from disposing of it or attempting to dispose of it. The court allowed them to keep it at BCA, but warned that LBL were responsible for its safety, security & whatever. After about a year of toing and froing from court the finally judge made an order that the car be returned to me. It was placed on my driveway and went missing 10 days later.

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old & new thread merged for easy of advice.

 

please keep to one thread for this issue.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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