Logbook loans have lost their final appeal they are officiallly gone

[Nicky Bodmin]

Question

 

How many companies are collecting for them now it seems like lots is this legal

[sillygirl1]

No it is not legal nor right, Unfair Terms and Conditions in Contracts for a start, and very much against the OFT Guidelines in Debt Collecting - so report each company to the OFT and Trading Standards, if everyone on this thread who had an LBL (I never had one but have been helping on the advice side) did it they would have to act, also go to the Credit Services Association, FOS, FSA and the Information Commissioners Office.

[Nicky Bodmin]

Hi Sillygirl,

 

I agree. Everyone just seems to talk about it on here how many make calls.

 

I didn't have a LBL but they still took my car.

 

Have you read my message about RITA 2000 did your bailiffs have authority under RITA if not they had no legal right of entry nor the right to put your property under surveillance to locate the car

[paul2012uk]

I replyed to templer stating I would call the police if they attend my house .Then at 11.30 pm they emailed to say its on hold till my complaint is reveiwed .I did not complained. I told them i knew they had been working with log book loans in the past.That cc collects did not have a credit licence.

From Micheal Browns thread

The OFT told Money Box that a firm which carries on business under a name not specified in the licence is committing an offence.

All my emails have been forwarded to OFT Trading Standards and a few others plus my local MP.

they can get away with 1800s laws .

(then maybe they should use the old hanging law on them .)

 

 

 

 

[Sheardy147]

Hi. Cc collections came and took my car at 6am this morning. No knock on the door just a note thru my door stating what property was in the car.

 

HELP PLEASE!!!!!!!

[sillygirl1]

I would phone the police and report it stolen, especially as they have no licence, no court order and no authority to take the vehicle.

 

Then get onto your insurance company and tell them what has happened.

 

Then get onto the OFT/Trading Standards, local MP

 

How much have you repaid on the original loan? Did it include insurances and deposits.

[Sheardy147]

Insurances and deposits????

 

I am reporting it stolen to the police and going to let my insurance know!

 

I will also let the oft know as well.

 

Any advice I would be very greatful.

 

They used a company called anglia to remove my car, they didn't know on the door as the had a key. Just started it up and drive it away

[Nicky Bodmin]

Hi,

 

I reported it to my insurance company and they didnt want to know because if they were told about the loan they would not have covered it they said i lied about who owned the car. I never got a penny

[Sheardy147]

The car is still reg in my name!

 

The log book they have is an old one as I ordered a new one to tax it as I lost my reminder.

[sillygirl1]

That tells it all - had they knocked you would have been able to inform them they had no rights, so they took the 'law' into their own hands.

 

By reporting it to your insurance company as stolen they would run into problems selling it quickly, and they would not be able to sell it with outstanding finance on it unless it was 'via the back door'.

 

Double whammy to them.

 

Can you also prove that the vehicle was mostly used to transport you to-from your normal place of work, if so it can be classed as a 'work vehicle' and again gives them no right to take it.

[Sheardy147]

Yes because I do use it for that purpose. It also had my work tool and tool kit in the boot which they put on the letter as listed items

[sillygirl1]

You can also go to the nearest court and lodge an application against them, asking them to appear to explain why they took what was clearly a works vehicle, thereby depriving you of vital income and putting you into real and actual hardship.

 

Lay it on thick, after all they are completely up the wall at the moment and are trying to redeem themselves.

 

Phone the OFT and report this to them, tell them that you need it added to the Logbook Loans file and the file of the company who took your vehicle.

[Nicky Bodmin]

Hi Guys

 

I hate to put a spanner in the works here but im not sure if that works when there is a BOS on the car. I could be wrong though

[sillygirl1]

Its already been proved in court that the BOSs are invalid and worthless. They do not allow LBL to take the car as 'their god-given right'. This is one of the reasons they were in trouble in the first place.

[Nicky Bodmin]

Can you tell me where its been proven and on what basis please it might help my appeal

[sillygirl1]

I would like to add that I personally do not drive nor own a vehicle but am giving advice here as I have a bit of a 'legal' head at times (all info gleaned from this site) and have had no personal dealings with Logbook Loans.

 

I do know others who have had, and who have quickly managed to get out of their clutches due to advice from this site.

[sillygirl1]

You have to read through some of the threads here - I do not do the 'chapter and verse' legal side, I give general advice.

 

If you want 'case law' on Logbook Loans you should really post a new thread on it. Far more knowledgable people will come onboard then. I would post it in the Legal section of this forum.

[Sheardy147]

I'm thinking going down the route of just reporting it stolen and claiming for the car?

 

Opinions please!!??

[Nicky Bodmin]

I have posted the OFT email about the attestation issue and LBL won that so that point cant be used.

I have not come across one case that the BOS has been void. Not one.

 

Unfortunately some of the posts on here are not correct with ref the BOS unfortunately.

 

Please point me in the right direction here

[Nicky Bodmin]

Hi,

 

Nice thought but as soon as the police get involved and locate the car the insurance company will not payout because of the BOS

 

I no I have been down that path

[Sheardy147]

I have posted the OFT email about the attestation issue and LBL won that so that point cant be used.

I have not come across one case that the BOS has been void. Not one.

 

Unfortunately some of the posts on here are not correct with ref the BOS unfortunately.

 

Please point me in the right direction here

 

I don't know the full facts but when intake into account that my car was removed this morning under the name of cc collections and not logbook loans I'd say that they lost

[Nicky Bodmin]

I have a lot of knowledge on this subject I have just taken them on myself and was one of the witnesses for the OFT.

 

There is no case ref that have removed the BOS that I have seen.

Even the OFT lost that against them. I have read the case ref they used in the appeal and all the judgments that came from the Appeal.

 

The OFT are asking for people to take on their own challenge to see if there is success on the subject.

 

Please read the post from the OFT a direct response to my question.

 

Is the BOS void on the attestation issue answer No. That was the outcome of the Upper Tribunal judgment over riding the First Tier Judgment.

It is all on this thread

[Sheardy147]

That's if they locate the car and my bos could very well be invalid

[Nicky Bodmin]

That is totally a different issue all together.

 

CC collections don't have a licence. Nothing to do with the enforecability of the BOS.

 

They simply are not licensed to do any thing

[sillygirl1]

I would not go down that route myself... there are other options to take.

 

I would also start a separate thread on this so more people would join in. You could title it Logbook Loans take vehicle after official closure of co....