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    • Lastly, I will go to the site to get updated images, but from google earth, you can see from the pictures the entrance states it is for the hotel parking, which I follwed instructions and gave my details to the hotel. Where I think my car was parked (it was that long ago I'm not exactly sure) there are signs on the opposite wall, but it was 12.30am, pitch black and they could not be seen.
    • I was planning on collecting up other court cases they have lost, to refer to as part of my evidence, I'm not sure if this is worth doing or could just confuse matters? But there seem to be many where the judge has ruled against them because of confusing and not clearly displayed signage, trespass, as well as their charge being £100, which is more than the Bevis case said was reasonable.    A quick search found this article as one example KBT cornwall lose case article.pdf
    • OK, I will do now. I did look to black out certain things, but I was not sure what I should and should not redact and there was nothing on there that was personal enough for me to be concerned with being made public. So I am happy for all to view, but if you are kind enough to redact what is needed as per the forum rules, that would be amazing. Armtrak Defence documents_compressed.pdf
    • yes but have the landowner paid this years contract fee. no evidence they have in the ws. pop it back up now if you wish. the forum is quiet i'll redact it for you so we have the info.   dx  
    • Thank you all so much for taking the time to comment and help, I really do appreciate it.   Just to elaborate a bit more on the background, just because my lack of knowledge of the process might mean I've actually done things along the way that I did not know what they were and so hadn't mention it.    When they decided to go to court, I was offered mediation, which I took. I offered to pay the reduced rate, just to make it go away, but insisted it was not an admission of guilt, it was a goodwill gesture to save us all the effort of court. They refused and wanted £250.    A court date was set, but in Leeds, then a couple weeks later I received another letter saying it had been moved to London.   I was not aware I had any say in which court it would be held at, but I now understand i have good reason to request it is moved to a local one to me, which is also local to the offending place, I will call the court tomorrow and explain that. But so far I have only been told what is happening, I've not been given the choice for anything.   They seem to be going down the route of a contract breach, not trespass which is interesting. There is a document in the evidence which has the agreement between themselves which I assumed meant they can pursue me.    I am going to visit the site again shortly, at midnight the time of the offence and take pictures to build a case file of the route I took to enter the car park, how it is in the hotel grounds and no signs can be seen.    Am I right in saying, the fact they do not actually have any pictures of my car in the location they say it was in, just because all of the pictures they have were at 12/30am and it was pitch black, I am going to say my car was parked correctly in the hotel side, not on their land and it is then up to them to prove otherwise, which they are not able to do, because the burden of proof lies with the claimant I think?
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Tim50

Log Book Loans - Car being repossessed

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Hello,

 

I have searched the web regarding Log Book Loans and have seen that there are hundreds of other people with problems. I am getting severely depressed about my debt and hope if anyone can give any advice it would be much appreciated.

 

I took a loan out a while ago as I was desperate for £1300 (to pay another debt!). I know it was a stupid mistake and I wish I never had but I did. I couldn't keep up with the payments and started receiving daily calls and letters. I recently was notified that every time they call and leave a message or send a letter they charge me £12. I moved house and naively hoped they would disappear but when I had to pay my road tax I had to change my log book details. I never gave them my log book or spare key when I got my loan but I found that, that was irrelevant as they contact the HPI and inform them of the debt.

 

They somehow got hold of my work number and kept plaguing me with calls. My colleagues found out much to my embarrassment. To stop them ringing my work I gave them my new mobile number and received a voice mail a while ago saying that my debt had been passed to their pre-repossessions department. They told me I must pay £100 a week until the outstanding arrears we sorted. Currently from an original debt of £1300 I have paid a total of approx. £1500. However I was told recently that there is still 8 months worth of debt to pay at £50 a week and on top of that they said I am behind by £800 and on top of that there is all the charges they will add for phone calls and letters. I spoke to them last week and they said I had to pay £300 immediately or they would pass me to the reposseions department and my car would get repossessed next week. I have no money to pay them. I can't afford £50 a week, let alone all the money they say I owe them.

 

I have finally come clean with my partner and told her about this debt which feels like a weight of my shoulders. She says we should contact trading standards which I want to do but thought I would leave a post on here and see if anyone could help with any advice.

 

I know at the end of the day it is my own fault. I signed the papers agreeing to the charges and at the time all I cared about was getting the £1300. The agent who gave me the papers to sign shoved them in front of me and I didn't even bother looking at the small print. I am the one to blame but feel agrieved that an alleged legitimate company with a credit license can charge so much and make my life like so many others a living hell. Any help would be much appreciated. Thank you, Tim.

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Guest wino

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Loads of similar threads Tim, why not check them out to see what others have done.

 

I would also try to make an appointment with Citizens Advice to see what help they can offer you also.

 

Best of luck! :)


If you feel I've helped then by all means click my star to the left...a simple "thank you" costs nothing! ;)

 

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