Log Book Loans - Can anyone help???

[nellie75]

Did you at all ever recieve a default notice? Dont answer that one as it is not for you to say you did or not. It is for the company LBL to show that a default notice was issued and if not then they have seriously broken the law. Here is an extract which you have probably already seen.

 

Hi Paul

 

I never received a default notice as such, nothing official anyway, they once sent me a letter saying i owed them 44k (9k Loan) !! Then when i phoned them about it they had no knowledge of it and amounts have changed so many times on each phonecall to them . TBH that has been my biggest battle with them, trying to get them to send me anything at all in writing. I wouldn't mind if i had got to this stage and had not tried to put things right, i tried everything to reason with them at every stage. I have lots of memories of threatning phonecalls from them and no help whatsoever when i called them without anything in writing which i requested everytime i spoke with them (they were calling me 6 times a day at one point).

 

I am taking things forward in court and can't wait really but my main aim is to raise awareness regarding the non-status lending market to avoid others making the huge mistake i did getting involved with them. So much has happened and at times i have felt like giving up but thanks to all on this site and my family, I have stood up to them - something they are not used to. They know there are not many clear ways of fighting back and they rely on this. NOT ANY MORE

[nellie75]

This is the problem because I never had dealings with any kind of balliff before this and am very unclear on whos who and who can do what!

[veryannoyed]

You would have to wonder how this would NOT count as theft and assult... trying to run someone off the road obviously puts them in genuine fear of their life. I'd be screaming attempted murder at the police personally.

[nellie75]

Hi all,

 

Just been doing some research with regards to LBL and have found out through companies house, that there are multiply companies with similar names all registered to the Putney address, with 2 or three of them being proposed to be struck off. Alos has anyone had dealsing with a company called Gemini International UK LTD, who is said as being one of their agents as cant find them registered anywhere.

 

MeggyWeggy

 

Hi MeggyWeggy

 

I am always interested in LBL info . There is definately something dodgy going on with them, they do business all over the country but only one office address. I will have a look on companies house website, very interesting!!

 

I have had first hand dealings with Gemini International UK Ltd, it was them who took my car, the guy had no proper ID, no paperwork apart from something that looked like a handwritten invoice. He lied to Police saying he had a court order back at his office then faxed something to them with court stamp on it, even though they later told us they didn't need and didn't have anything from the court . He then laughed at us as he took car away . They call themselves Private Balliffs, still have no idea if my car was stolen but police where no help at all. I will have a look for them too see what I can find.

 

Have you had dealings with Gemini?

 

Nellie xx

[nellie75]

I understand totally how you feel, they really do grind you down, the stress they cause is unreal and they don't seem to care.

 

Have you received a letter from Gemini? Strange that LBL didn't give you their contact details? I have them with all my paperwork, i will get them for you.

 

I feel really sad you seem to be in same situation I was, its awfull

 

If i can help in any way please let me know

 

Nellie xx

[meggyweggy]

Nellie,

 

Thanks, its amazing what these people are like, we have just had our second child and as you say the stress is so high it is easier to just give in and put it down to experience i will certain be sending letters to them with ref to charges.

[nellie75]

I really do understand, I had my second child during all what happened to me, i remember they were calling me about 5 times a day when i was h

just home from hospital. Even though my baby was screaming in the background sometimes they would not let me get off the phone saying i was avoiding them!!! I became a nervous wreck and was on pins all the time, horrible time and I really do feel for you xx

[nellie75]

omg things get worse than ever with this company. So sorry somebody else now involved with them.

 

I have said it before than their intention is to repossess every car they loan upon, there is no other reason for the bully boy tactics, denying phonecalls (every single one i have ever made to them) and complete lack of customer service. They make it so difficult to pay and and don't offer any help or express any sympathy when things go wrong and when they do they have tunnel vision to get the car no matter what.

 

In regards to what happened with the 'balliff' and the injured leg this is absulutely unbeleivable and makes my blood boil. My partner was ran off a busy public road and nearly caused a crash. I have since found out that only police and DVLA marshalls in extreame curcumstances have the power to aquire a car on a public highway. Even when we called 999, one lie from balliff saying he had a court order they gave him permission to take our car. Even though he was driving dangerously and acting like he owned the road and our car the police where treating him as one of them. I have a complaint in agaist the police about all of it.

 

In regards to your partner being charged with ABH etc I think is terrible and its so obvious the balliff is trying it on and is obviously not a happy bunny that you got one over on him!!! This will be thrown out of court, he actually tried to stop the car by leaning on it so in effect its his own fault, not many people try to obstruct a car in motion then call police complaining they have been hurt!!! i am so suprised the police took it seriously, they didn't want to know in our case.

 

The problem is that LBL consider a car to be their property from the moment loans are taken and they seem to enjoy reminding you of that.

 

Has anyone got copies of the loan agreements they signed and this 'bill of sale' they say gives them so much power?? I can't get my hands on mine and they are ignoring me and my solicitor and not providing them.

[nellie75]

I am confused by this also and can honestly say with the help of ALL posts on here i am well on my way to my day in court with them. The problem is that i am not legal minded and alot of the things i read don't make perfect sense to me but all i have learned on here has been passed to my solicitor who is using them in my defence, i have never ignored advice and don't think any of us have. All i can do is tell my story which will hopefully raise awareness also.

[nathian]

Hi nellie,

I have been reading every single post about log book loans and i know what trouble you have had with them. Firstly, i am so sorry about what has happened to you, people could say its our own fault for getting ourselves into this mess, but difficult times sometimes call for desperate measures.

 

Something needs to be done urgently with this company. They seem to have a rule book of their own! From what you have explainded to me, the car should not have been taken witout the bailiff producing the documents there and then! Secondly, as the police told us today, its really a civil matter, not a police matter, and the police should not have agreed with the bailiff, and obviously, after watching the report on telly about bailiffs, they can say anything they want to the police, as they are not trained to deal with these type of circumstances.

 

We aremore bothered about NOt letting them take the car than the ABH charge, nothing will come of it becuase there are no marks exept a bit of redness on his leg, and NO witnesses either. Im off to see the C.A.B tomorrow to see where we exactly stand, and im going to write to LBL to ask them for proof that the "bill of Sale" is registered in a high court....??

 

Our next step is to take people like us, and try and group together to get somebody in the media to take an interest in our cases. I am also considering just paying small amounts off on our "payment book", surely that means that we are trying to pay the loan off, and have actually made an offer to pay. Only trouble is we have recieved a default notice, so i dont know whether that will be any good...

[nellie75]

Thanks nathian, i have been through a nightmare with this company but i am getting there and i am so sorry you are going through what in did.

 

I totally agree, you have nothing to worry about regarding the ABH charge, although it must not have been nice for your partner to go through interviews with police etc and you are right, the police will always say its a civil case and don't seem to know the law regarding these matters. Can i ask which balliff company it was that came out? They are on a power trip most of them and will try every trick in the book to get the car and stack up their commission for the day.

 

As regards to them actually taking your car, i have been in this situation, i was even sending them cheques and they were not being cashed and i tried to reason with them. Sad fact is that they will stop at nothing and i don't trust them. Have they said they will not accept and arrangement to bring your payments up to date? My guess is they want full arrears on repossession? My advise is that you hide the car untill we can find out what power this bill of sale has, they say that it is registered with the high court, now as i understand it the high court then need to enforce the bill of sale in order to repossess the car. I am unclear what registering a bill of sale in the court actually means but i am very close to finding out, as soon as they supply documents to my solicitor and when i find out i can let you know. We suspect it is purely to register and interest in the car with the court but i am quite sure they need to enforce it after that. In the meantime all i can sugest is hiding the car.

 

I will let you know how things progress with me and hopefully i can help you along the way, i have had huge problems finding the right solicitor and its only now things are starting to happen.

 

I totally agree that we need some media attention regarding this company and I am willing to team up to do this. LBL target the most vunrable people and I felt embarressed to have dealt with them and most people do so don't want speak out about it, i think thats how they have got away with it for so long.

[nellie75]

hi everyone

 

i have been reading all your posts on this forum about log book loans for som months now. i have a loan on my car and wondered, can i sell the car to someone i know?

 

i plan to order a new v5, change the owner details and then 'hide' the car.

 

where do i stand legally here?

 

much obliged.

 

Hiya

 

Does the person you are selling it to know you have the loan on the car? Do you plan to pay the loan off with money from sale? Are you actually selling it or just changing owner details etc then hiding it? I was in similar situation so if you could let me know i will be able to advise you.

 

Nellie

[nellie75]

Depends what intentions are which is a bit unclear

[oops!!]

Sorry for being so unclear.

 

I want to change the owner details on the V5, hide the car and then tell LBL I have sold it!

[oops!!]

Hiya

 

Does the person you are selling it to know you have the loan on the car? Do you plan to pay the loan off with money from sale? Are you actually selling it or just changing owner details etc then hiding it? I was in similar situation so if you could let me know i will be able to advise you.

 

Nellie

 

 

Hi Nellie

 

Sorry for being so unclear- I intend to change the owner details, and then hide it but tell LBL I have sold it?

[MARTIN3030]

Hi Nellie

 

Sorry for being so unclear- I intend to change the owner details, and then hide it but tell LBL I have sold it?

 

 

If I am missing something here -I will apologise but to my mind there clearly appears to be advice being given out which is advocating some quite disturbing actions.

This site cannot allow posts to be made that can be seen to be condoning fraudulant or deceptive practices.

Can you just start using a little common sense before posting these suggestions.

[nellie75]

Nobody is advising anyone to do anything, just answering questions posted and passing on knowledge of this company, who are, lets face it, [allegedly] ripping people off, for want of better words!!!

[JonCris]

Precisley Nellie.

 

Apart from a few lighthearted suggestions about selling it down the Shankhill amongst others no one has suggested anything fraudulent. Also as LBL do not have lawful ownership of vehicle the rightful owner is well within his rights selling it to whom he pleases.

 

I think before anyone accuses others of offering fraudulent advice they 1st make sure that is what is being offered in the 1st place

[nellie75]

I totally agree Jon

[nellie75]

Also the HPI situation is a joke, they also fit trackers on the cars which are fake - what is that all about???!!!

[JonCris]

Also the HPI situation is a joke, they also fit trackers on the cars which are fake - what is that all about???!!!

 

Pity they are fake as that would be another unlawful act in controvention of the DPA.

 

An household name HP company started fitting them in the late 1990's early 2000's & when their legal department found out they went bonkers & they had to remove them rapidly before any of the customers found out. The dealers where told to organise a recall under the pretext of a fault so they could be removed

[nellie75]

LBL claim legal ownership over cars and repossess them while their agreements are unlawfull and unenforcable, this is a fact as it has happened to me.

 

The sole reason for this happening to people is that they do not know their rights and I feel, as this site promotes 'reclaiming the right' we have to play this company at there own game. They don't play by the rules or the LAW and I will actively encourgage others to avoid them being victims as i was.

 

It has been proven that Banks take Charges unlawfully and is the basis for this forum, LBL take cars unlawfully so It should be viewed on the same principle. Its a serious matter as most cars cost thousands and thousands of pounds and apart from houses are the most expensive items people will own.

 

As JonCris has said we are simply making him aware that LBL do not own his car and he has the right to sell it to anyone he likes.

[nellie75]

Pity they are fake as that would be another unlawful act in controvention of the Data Protection Act.

 

An household name HP company started fitting them in the late 1990's early 2000's & when their legal department found out they went bonkers & they had to remove them rapidly before any of the customers found out. The dealers where told to organise a recall under the pretext of a fault so they could be removed

 

We still have it so i will check it, it looks fake but if fake or not is it still an unlawfull act to fit one, don't see the benefit for them fitting a fake one, unless its a scare tactic

[nellie75]

Hi All

 

Things gone a bit quiet on here regarding LBL, has anyone got any updates on their issues with them???

 

My fight with them is underway thanks to somebody great enough to help me who I met through this site - you know who you are .

 

The problem I had was finding a Solicitor to deal with the case, endless calls to different solicitors offices, being told time and time again it wasn't something they dealt with, mainly being told this by receptionists and not even being able to even talk to a solicitor. I must have explained my situation 100 times and it was really starting to get to me, I knew what LBL had done was wrong and breached nearly every section of CCA but why would nobody take it on???? In my search I eventually found 2 solicitors who would deal with it, I thought 'great at last!', my relief was short lived when I was asked for £2k up front by one and 4K up front by the other!!!! I now realised the reason why LBL and others had managed to get away with what they were doing for so long, something that I couldn't understand before.

 

The sad fact is that most people who use this method of finance are 'desperate' and have exhausted all other options, there can be few other reasons why anyone would agree the ridiculous terms and repayments. Because most people they sell loans to are usually in severe debt and no income proof or credit checks are needed its almost a certainty that these loans will never be repayed, why else would they be so unconcerned as to the affordability to repay or how credit reliable somebody is???. I would bet my bottom dollar that at least 90% of all loans result in repossesion and I believe this is how they make their money.

 

We all have heard of companies being 'responsible lenders', companies will use their own methods to ensure affordability etc, they will assess the risk of lending to somebody by using credit scoring and information held my credit reference agencies. Somebody who scores badly or has a bad credit history will usually pose more of a risk and that person would probably be turned down. Why would LBL not cover themselves this way and why does it appear they are taking such a risk?? The fact is there is no risk whatsoever because they have you sign a 'Bill of Sale agreement' transferring ownership of car from you to them so effectively they own your car from the second you sign the agreement. Its only a matter of time before they take what they THINK is theirs, ridiculously high interst rates, impossible sky high repayments, zero tolerance on late payments/arrears and constant charges force repossesion sooner or later.

 

My main reason for this post is to say that I have been lucky enough to find a solicitor who will take on my case funded by legal aid and no up front costs whatsoever. It has taken me months and months and alot of effort on somebody elses part - again you know who you are! to finally get the chance to fight back. I am on benefits and there would be no way I would get this chance otherwise.

 

I am concerned how many other people there may be that have been in this situation and I am pleased to say that my solicitor has agreed to take on a couple more cases on the same basis as myself. I am going to start a new thread regarding this and ask anyone who needs help to come forward. This help is limited but hopefully will benefit somebody as it has me.

 

Will keep u all updated regarding my case

[nellie75]

Hi All

 

I currently have a legal dispute with Logbook Loans as explained in my thread (Logbook Loans - Can anyone help???).

 

I have been trying for Months and Months to find a solicitor to take my case on, the ones I had found wanted large amounts of money up front. I am on benefits so there was no way I could pay these fees even though I knew I had a solid case against LBL.

 

I am pleased to say that thanks to somebody I met through this site, I now have a solicitor who is fighting my case funded by legal aid (no other solicitor would do this).

 

Due to the obvious legal flaws in LBL practices, my solicitor is willing to take on a couple more cases similar to mine on the same basis. I have heard alot of similar cases but as I am unsure the status now on cases I have read, I would ask anyone who needs legal help and are in similar position as myself to come forward.

 

The legal help is limited to a couple of cases but hopefully I can help somebody who has faced the nightmare I have gone through at the hands of this company

 

Please feel free to PM me should you not wish to post on open forum

 

xx