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    • If you are buying a used car – you need to read this survival guide.
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    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Logbook loan help pls


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I have defaulted on a logbook loan with lbl and they want to repossess the car what can i do

I have moved address too but not told them and am trying my best to hide the car

How can I get out of this agreement somehow pls help

Thks ash

Also does anyone know how Anglian repo will trace me to new address

Edited by Ashelectrics
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You can be traced via the electoral roll - utility companies - and via your credit reference files if you have other credit.

 

I don't know anything about LBLs, so will try and find someone who can help :)

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Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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ok 1st you need to do your homework tomorrow

 

these are notes I have gathered before

 

carry them out:

 

logbook loan repossessions are not always legal,

 

if linked to a CCA agreement or if the BOS has not been registered with the high court.

 

If BOS registered then yes they can reposses, but have to show registration and debt details.

 

If linked to a CCA then can not reposses if on private property without a court order ( but can if on public road and under a third has only been paid ).

 

Over a third, they need a court order wherever it is.

 

contact these people urgently

 

ring the number to ring and check if your BoS has been registered.

 

020 7947 7772

QBEnforcement@hmcts.gsi.gov.uk. [no spaces]

 

QB Enforcement Section, Room E15-E17, Royal Courts of Justice, Strand, London, WC2A 2LL.

.

or

 

If anyone else needs to find out if a Bill of Sale has been registered

 

email Lindsay.hutchinson@hmcts.gsi.gov.uk [no spaces]

 

really helpful,

replies straight away

& above all didn't charge

 

dx

  • Haha 1

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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great

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Have emailed Lindsay Hutchinson and am awaiting her reply

 

Spoke to LBL this morning

they say BOS was stamped 2 days after the agreement was taken out

 

Hope they are not being honest but if BOS is valid where do i stand in respect of stopping the repossesion

and trying to get out of the agreement

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Ignore what they say. You want complete proof.

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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Yes they are my exact thoughts so

 

i rang the courts and quoted the BOS reference nbr LBL gave me this morning

and they cannot find/trace it so as per their request

 

i have emailed all the details of the agreement names/addresses dates etc to the court

and will let you know as soon as i hear back from them

Thks

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don't rely 100% on the bos being unreg'd.

 

did you ring that 7772 number?

 

also have you paid more than 1/3rd

 

where is the car normally parked

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Yes i rang that nbr they said it takes 3-5 days for them to check so I will have to wait

 

I have not payed anything on the agreement due to having not much work at the moment and

 

any money has gone towards cost of living rent and clearing council tax arrears

 

Original loan was for £1200 against my car which is worth around £2800

 

I could arrange to pay them possibly one third of the original loan amount

 

ps I'm not a free loader just in genuine bad work position at the moment we pay for everything else

 

The car is parked on a housing association private estate car park and their grounds are clearly labelled private property

 

Also the car park that i use is never more than a quarter full so i dont think im really bothering the tenants there

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How much have you paid so far?

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 think the only thing to do is wait for the bos response.

 

If it comes back as not registered then thats their problem. If it comes back as valid then youll be looking at giving the car.

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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My monthly repayment was 180£

 

only took loan out in June

 

offered them all the payments so far which would be July August and September £180x3 = £560 but

 

they are saying to bring the account up to date i have to pay nearly £1000

 

dont understand how they can charge so much when I have offered to pay the 3 monthly arrears

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Have you asked them how they came to this figure?

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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They are sending out a statement to me

 

If the BOS comes back valid

 

then does anyone know of a good debt management company that could liaise on my behalf to come to a repayment schedule

and poss freeze interest charges so I can pay back slowly and keep the car

 

My intention has always been to pay the loan back plus some interest to them

 

just work situation has let me down at the mo and im self employed

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No need for a DMP, you can do it yourself. We can help you with that.

 

Regarding payment, have they closed the account and looking to collect? Or are you simply in arrears.

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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WHat are your current arrears? Not the silly amount they say, the ACTUAL arrears.

 

If they are demanding £1000 then thats almost cleared your loan, minus interest.

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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Then thats all you pay plus interest. Definitley not the £1000.

 

I really cant wait to see how they came to that figure in their breakdown of costs :)

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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rock and hard place here.

 

you really need to pay your priority debts [rent/ctax/elec/gas]

 

can you scan up what they have sent you please

 

and where did this anglia involvement come from?

 

set your default scan page size to A4 less than 300DPI [150 will do]

scan the required letters/agreements/sheets - as a picture[jpg] file

don't forget you can use a mobile phone or a digital camera too!!

'

BUT......

ENSURE: remove all pers info inc. barcodes etc using paint program

but leave all monetary figures and dates.

*********************************************************

{DO NOT USE A BIRO OR PEN OR USE SEE THRU TAPE OR LABELS]

try www.pdfescape.com TO BLANK STUFF,

*************************************************************

or

DO IT IN MSPAINT.EXE or any photo editing program

goto one of the many free online pdf converter websites ...

http://freejpgtopdf.com/

..

if you have multiple scans/pics

put them in a word doc FIRST and convert that to PDF

or use www.pdfmerge.com

 

convert existing PC files to PDF [office has an installable print to PDF option]

..

 

it would be better to upload a multipage pdf if

you have many images too rather than many single pdfs

.

or if you have PDF as an installed printer drive use that

or use word and save as pdf

try and logically name your file so people know what it is.

though dont use full bank names or CAG in the title

i'e Default notice dd-mm-yyyy TSB

.

open a new msg box here

hit go advanced below the msg box

hit manage attachments below that box

hit the add files button on the top right

hit select files, navigate to your file on your pc

hit upload files

.

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 3 weeks later...

Have they issued a Default Notice yet?

if not then hand the car back to them and it will clear the debit,

they have to accept thats it in the CCA code of conduct.

 

Okay you lose your car but you have no debt and its not going to get any worse especially if the job front is not getting any better

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