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Please help. logbook loans Account sent to repossession today.


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Hello, i could really use any advice you can offer.

 

I have an account with logbook loans

- and they have been absolutely fine with me

- however my son's health is bad and we have found ourselves over the last few months trying to raise funds to get him to a specific doctor for treatment.

 

We did this but other things have suffered and

 

today logbook have sent my account to repossession.

 

I have made a payment via bank transfer but it seems to take a long time to register with them;

i also can pay the full arrears on friday but not before.

 

I am currently with my son whilst he has treatment and i am sick with worry about what we will go home to.

 

Does anyone know whether the repossession happens quickly?

Do i have time to pay the arrears on Friday?

 

Please help as i don't know what I'm going to do.

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how far are you in...more than 1/3rd of the secured sum?

 

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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Hello, yes I have.

 

They said that the account has been sent for further action

- that it hasn't been 'picked up' by that other company as yet

- and they cannot guarantee that I will have until Friday.

 

Thank you for the reply.

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Hello, thank you for the reply.

 

The loan was due to end either this month or next (Nov or Dec).

 

I have paid up until now but, honestly, we have had problems raising funds to see a specific doctor and used all our money towards that.

 

I have this evening sent them a copy of the doctors invoice so they can see I'm not trying it on and asked whether

- if I pay the arrears on Friday (assuming the repossession hasn't happened - will that be enough to halt it.

I haven't heard anything back as yet.

 

I honestly feel, alongside with my child's relapse, that this is sending me past the point I can cope with.

 

I don't know what to do.

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if you have paid more than 1/3rd THEY CANNOT REPO THE CAR WITHOUT A COURT ORDER.

 

best you stay off that phone.

 

everything in WRITING ONLY

 

then you cant be threatened

 

No 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.

.

020 7947 7772

[email protected] ov.uk.

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

.

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

they MUST have done this within 7days of you signing the agreement

.

or

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

email [email protected]. gsi.gov.uk really helpful,

replies straight away

& above all didn't charge

.

many many are not!

.

read this end of this thread:

http://www.consumeractiongroup.co.uk/forum/showthread.php?382678-Bill-of-sale-(help-please)&p=4363534#post4363534

 

 

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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Thank you. I have read the thread and will follow the instructions. I live on a private road but my landlord lives nearby; I need to calm down and see what I can do.

I have definitely paid more than 1/3 as the agreement was for 18months and due to end n December (and arrears are just under £500). Thank you.

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me thinks most of this is willy waving on the phone is it not?

 

WHAT have you actually had in WRITING?

 

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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Hello, I have already replied once but it seems to have gotten lost!

Apologies if it should suddenly appear and I look like I'm repeating myself.

 

I have had a default notice from them and we agreed I would pay an amount per week.

 

I have paid a lump sum via bank transfer and send confirmation of payment to them;

 

I spoke to them last week and they said that this would be enough to stop any recovery action.

 

I spoke to them today and they said the account had been sent to recovery/further action

and they couldn't guarantee repossession wouldn't take place prior to my paying the arrears on Friday.

 

I emailed them proof of my situation re health costs but they responded in email saying the same as above.

 

The contract is due to end in December and

 

I'm furious I've allowed this to happen so late in the day

- I was so happy that it would soon be over!

 

I only have the arrears built up over the last few weeks as all else has been paid.

 

Thanks for your responses,

 

I really appreciate it.

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silly willy waving on the phone to make you pay up then.

 

so the only letter you have had is a default Notice under section 87 of the CCA?

 

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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Share on other sites

other letters?

 

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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Hello, thank you. I will check.

 

I was thinking about this last night and I do think they have also sent a letter stating that I didn't pay the arrears within the default notice

and that I had to pay an amount within a certain number of days.

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Hello,

I just wanted to let you know that I heard from LBL and they agreed to hold recovery action until 12pm tomorrow.

 

I had to email back and explain that I couldn't guarantee the payment by that time as the money due into my account doesn't get processed by payer until after 11.

 

I'm hoping they'll agree to end of day rather than 12.

 

Thanks for all your help.

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Hello, I just wanted to ask one last question please:

 

I did pay all the arrears on Friday and they emailed to say that I needed to clear account.

 

I have emailed back but I've noticed that they don't seem to be responding to my emails

- just waiting until I have to phone as it's so late in the day (if you see what I mean).

I've asked for a final figure but am not hearing back at all.

 

Is there anything I can do?

 

Thank you so much for all your help.

 

Re correspondence, I have had the letters I've previously stated, nothing more.

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Hello, I just wanted to ask one last question please:

 

 

 

I did pay all the arrears on Friday and they emailed to say that I needed to clear account.

 

 

 

I have emailed back but I've noticed that they don't seem to be responding to my emails

 

- just waiting until I have to phone as it's so late in the day (if you see what I mean).

 

I've asked for a final figure but am not hearing back at all.

 

 

 

Is there anything I can do?

 


 

 

 

Submit an in -person application for a time order

If you have offered / have paid the arrears that is perfectly reasonable and it is therefore unreasonable for the creditor to be putting you under pressure for the car.

 

Also challenge the fee justification, if the letter fees are £25 then that is ridiculous.

if they are a member if a trade association such a as Consumer Creditthen got to theAssociation for arbitration

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Hello, I just wanted to ask one last question please:

 

I did pay all the arrears on Friday and they emailed to say that I needed to clear account.

 

I have emailed back but I've noticed that they don't seem to be responding to my emails

- just waiting until I have to phone as it's so late in the day (if you see what I mean).

I've asked for a final figure but am not hearing back at all.

 

Is there anything I can do?

 

Thank you so much for all your help.

 

Re correspondence, I have had the letters I've previously stated, nothing more.

 

did you get that bill of sale checked?

 

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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