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    • YOu say send it first class, get a free Proof of Postage, but would it make any difference if I get it recorded?   As there's under a week left before their cut off date, I just want to ensure 100% they receive it before the date, and have evidence that they did when they receive it.  
    • Have you put a formal claim into Hermes? I think you should put formal claims into Hermes in respect of each one. I suggest that you leave it about five days apart so that they are treated completely separately. Hermes of course will refuse to compensate you – but then we will help you begin a legal action against them. Once again, I think that your best interests will be served by claiming and suing for only one of them – and then the second one separately once you have the result of the first one. We will help you all the way – but you need to start off by reading around the stories on the sub- forum about Hermes complaints and actions against Hermes. You need to understand the mediation process – and there are lots of good summaries on the sub- forum. Also you should read around on this website about the steps involved bringing a small claim in the County Court. Begin the claims process with Hermes so that you get a denial of liability – and then we will go to the next step.
    • The luxury car manufacturer says its battery-powered sports cars will be made in Warwickshire. View the full article
    • Well please can you search everything and get all your documents together. Read them. Understand what you have. And they make sure they are properly filed. Do you have the name and address of the driver? Also I believe that you said that you had received a message from your own insurer saying that you were liable – or something like that. Please can you reproduce that message here – preferably in PDF format   Don't respond to anyone without checking with us first. We would want to know why you are being asked to contact people. However, you definitely need to contact your insurer tomorrow as I've already suggested. You really need to find out what's going on, why they have made the decision that they have and you want copies. Don't tell them that you sent them on SAR. Keep that a completely separate matter – but simply ask them on the telephone to have copies of all the documents that they have assembled in respect of this case. Once again, you should be recording this.  
    • As i stated above, i found out a document from my draw that admirel had sent me on the 25th of january. I found it out to see if it had any information about the van. Then i saw that it said ' section l -witnesses , then a male name .
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    • Ebay Packlink and Hermes - destroyed item as it was "damaged". https://www.consumeractiongroup.co.uk/topic/430396-ebay-packlink-and-hermes-destroyed-item-as-it-was-damaged/&do=findComment&comment=5087347
      • 25 replies
    • I sent in the bailiffs to the BBC. They collected £350. It made me smile.
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    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
      So I issued the claim on day 15 and they requested more time to respond.
      They took until the last day to respond and denied the claim, unsurprisingly saying my contract was with Packlink and not with them.
       
      I opted for mediation, and it played out very similarly to other people's experiences.
       
      In the first call I outlined my case, and I referred to the Contracts (Rights of Third Parties) Act 1999 as the reason to why I do in fact have a contract with them. 
       
      In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
       
      In the third call the mediator said that they would offer the full amount. However, he said that Hermes still thought that I should have taken the case against Packlink instead, and that they would try to recover the court costs themselves from Packlink.
       
      To be fair to them, if Packlink wasn't based in Spain I would've made the claim against them instead. But since they are overseas and the law lets me take action against Hermes directly, it's the best way of trying to recover the money.
       
      So this is a great win. Thank you so much for your help and all of the resources available on this site. It has helped me so much especially as someone who does not know anything about making money claims.
       
      Many thanks, stay safe and have a good Christmas!
       
       
        • Thanks
    • Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003
      • 1 reply
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Log Book Loans - nightmare,. now got my car


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Hi Caz,

 

Please see my PM to you.

 

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  • 1 month later...

Hi

has anyone had a similar experience- yesterday i received postally a returned log book from the DVLA asking why id sent it to them as it hadn't been completed properly

when i looked at the log book / letter the date of issue to the DVLA is within the 14 day period from recovery of vehicle to earliest date they could sell - the ate on the log book coincides with the date of notice of injunction co incidentally

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  • 2 months later...
Hi

has anyone had a similar experience- yesterday i received postally a returned log book from the DVLA asking why id sent it to them as it hadn't been completed properly

when i looked at the log book / letter the date of issue to the DVLA is within the 14 day period from recovery of vehicle to earliest date they could sell - the ate on the log book coincides with the date of notice of injunction co incidentally

Hi i too have had a terrible time with LBL, they came to take my car on Friday loaded it on the lorry then knocked my door to say they had my car (i was lucky to be in) showed me a piece of paper to say they wanted full payment of my loan plus costs. It went from 800 pounds to 1606 pound in 10mins, i was lucky to have rang my sis and she agreed to pay by debit card the full amount but the guy who had my car on the lorry got in his lorry and drove off without taking payment until i had to run after him on the road , he stopped and came back to take payment and leave my car back. I got no notice this was going to happen calls or letters also he gave me nothing back after payment made. PLEASE PLEASE Anyone even thinking about taking out a LBL AVOID !!! i will let you know what happens next...

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They cant take it like that without a court order. You got conned and you should have rang the police.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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I can't believe this is still happening. I had dealings with LBL back in 2009 (there's a thread on here somewhere), I bought a TT that one of the previous owners had secured a LBL on. Luckily they were unable to recover it as it was not where they thought it would be, but they demanded £12000 from me.

 

To cut a long story short I told them I was in the process of stripping the car and selling it for parts on ebay. I took pictures with the wheels, interior and bumpers off (2 hour job) and sent it to them. I offered to pay £500 for them to release their interest in the car, after a couple of days they agreed to this.

 

Still makes me feel sick that this company got £500 out of me when the initial loan would have only been a couple of hundred quid!!!

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They cant take it like that without a court order. You got conned and you should have rang the police.

Hi i've been told what they did was legal but what wasnt legal was the bill of sale as i never signed it, all i signed was the agreement never even knew anything about BOS. The agent called to my house when i took the loan out and gave me an envelope with an unsigned agreement and BOS unsigned. I just don't know where i stand or who can look into this. The reason i missed 3 payments because i was ill with plurisy at sisters in the England. I live in Northern Ireland also the mess with the Ulster bank before i left did'nt help matters but they did'nt want to know when i tried to explain to them.

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It isnt legal though. If youve paid a substantial amount of the loan off, then they need you to sign a voluntary agreement, or they need a court order to take it. They are not allowed to simply turn up, load it up, then tell you tough luck.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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It isnt legal though. If youve paid a substantial amount of the loan off, then they need you to sign a voluntary agreement, or they need a court order to take it. They are not allowed to simply turn up, load it up, then tell you tough luck.

 

A court order is NOT needed on a logbook loan/bill of sale. At all. The only thing that needs to happen is the service and the expiry of a default notice. Hope that's clear :)

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  • 9 months later...

Thats right, court order not needed, as soon as they terminate the agreement due to a breech in the T&Cs then they could send a chimp to take the car.

 

On another point to the guy who did not sign a Bill of Sale, your quids in,

the loan cannot be enforced by possession of the car.

 

For the BOS to enforceable they need to have had it signed by you, witnessed by the person who saw you sign it and then witnessed again by a solicitor,

it then needs to be registered at the high court withing 7 days.

 

There also needs to be a HPI finance registration, dont count on the cheapo alternatives always check with HPI

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