Mobile Money Help request

[KarmaStu]

Hi everyone,

 

Looking for some plain, simple, easy to understand advice please?

 

I have/had a loan with Mobile Money (Bristol Office) which I took out in March 11. I do realise how stupid this was with hindsight. I immediately fell into difficulties due to family bereavements, extended hospital stays, etc, and as a result, did not make any payments on the loan.

 

On Friday 29th July, 2 men turned up to collect the car. They had a tow truck. I had been in touch with MM (by letter) asking for time to get caught up and proposing a payment scheme that would eventually get me back on track. I was awaiting a response. To cut a long story short, they left with the car (one of them drove it away - it wasn't taken on the truck). The person I had communicated with previously was on holiday, but spoke with the area manager, who advised me he would look at it monday 1st August, as he had left the office for the weekend. He did confirm verbally that the car would not be auctioned until the 15th Aug, and that full settlement would prevent this. He also promised me he would email confirmation of that when he got home, but nothing to date received (and he will not answer his phone to me).

 

Before anyone points out that I am an idiot and perhaps get what I deserve for defaulting on my payments, then let me just say that I know, and if there is nothing I can do then so be it. I will take it on the chin.

 

If however there is anything I can do, then I would be very grateful for any constructive advice given. A few points that may be noteworthy are:

 

 

• I asked the 'bailiffs' from LT Holdings to see his SIA ID - he told me he did not need one (his ID was actually pathetic. I could create a more professional looking one on my laptop and home printer. No phone number, no ID number, just photo, his name, company name. Nothing else!) He also has no uniform (mucky jeans and t-shirt)
  
• As they were leaving they gave me a letter from MM titled 'Repossession Instruction & Authority'. At the bottom of this it says 'Enclosed: Bill of Sale, Copy Credit Agreement, Copy Default notice (Not to be left with third parties)' - None of these were enclosed, and I do not consider myself to be a third party.
  
• Some of my personal possessions were/are in the car. Most notably my sat nav, which I got one of the guys to add to the Vehicle Receipt.
  
• At the time of signing the documents and taking out the loan, there were only 2 people present - The rep who dealt with me, and the branch manager. With regards to what (I think) I read about the Bill of Sale surely if the manager is a witness, he is not a proper one as he has a vested interest?
  
• The car is essential to my job, and as a result of this and not having any alternative transport, I have had to tender my resignation. This was pointed out to both the Area Manager and the 'Bailiffs' who both completely disregarded it.
  

Having spent a few hours trawling through the pages here, I am not much wiser sadly, as what I really need is step by step instructions laid out in layman's terms. I am not too good with technical language sadly...

 

Many thanks for any advice that anyone may have for me.

[ploddertom]

I don't know a lot about these but was under the belief that if the BOS is invalid then they may have a problem. Have you read this http://www.consumeractiongroup.co.uk/forum/showthread.php?112358-Bill-Of-Sales-and-repossession-of-goods . You may have to send for a copy of the BOS.

 

PT