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    • Thanks guys. Updated witness statement accordingly with dx's post. I have a draft order. As follows, is this ok?   It is ordered that: 1. The default judgment dated 10 November 2021 be set aside. 2. The Claimant pays the Defendant’s costs of this application to the sum of £275. 3. The Claimant has permission to file and serve a reply if so required.   4. All enforcement be put on hold pending the outcome of the application.   So with the N244.. include the Witness statement, draft defence, and draft order? And include a copy of all evidence?   Thanks
    • we need the exact particulars of claim, not what you have put please.  
    • Thank you everyone for your quick responses I just wish I posted here in the first place    I probably shouldn't have filled in the claim form however on the letter it said I had limited time to do so and because I was dealing with CST law trying to come to an agreement with paying off the debt I didn't think it would get to this point and now I have probably made my situation worst. Of course, I would have posted here first before sending it off had I not been in communication with CST to set up an agreement.    I sent the letter back to the court as some point in early August, the issue date on the claim form is 28th July and the most recent letter I have received 'Notice of fast track' is dated 18th November    If I am honest I can't fully remember what I wrote word for word in my defence, it would have been along the lines of why I left, my reasons and the fact I returned to my old career in an office plus taking a pay cut to do so. There wasn't much room to write a long winded defence so I kept it relativity short.   The above document Andy has posted is the exact document I am now looking at very confused in what exactly I put where    I just want to re-iterate I never agreed with this money I owe due to the training bond but it has gone on for so long at this point I'm happy to set up a payment plan if the balance can get reduced or a small one off payment upfront and this is exactly what I was trying to do prior to receiving the most recent letter    I have had zero communication from CST law, Centrica advised me to deal with them directly and I was waiting for a response from CST with the offer we had put across to Centrica - I chased it multiple times the following weeks and they kept telling me they haven't had a response and when they do we'll contact you which they still have not   Ideally I would rather not give them any money however I feel like I am out of options at what I probably should have done years ago is attempt to get it reduced and set up a payment plan    Please let me know if I have missed any critical info out    Thanks again for everyones help    What is the claim for – the reason they have issued the claim? I left a British Gas apprenticeship within the first 12 months of starting and went back to my old career in an office , my reasons for leaving were down to the completely differant job role which I realised quikcly was not for me and it was impacting my mental health massively. The claim is for a training bond which was in a contract I signed based on a sliding scale Year 1 - £9,000 year 2 £6,000 year 3 £3,000     What is the total value of the claim? £13433    Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ? Yes   Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? No  Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? Training bond due to leaving an apprenticeship before 3 years    When did you enter into the original agreement before or after April 2007 ? After   Do you recall how you entered into the agreement...On line /In branch/By post ? They have sent me a virtually signed document with the contract   Is the debt showing on your credit reference files (Experian/Equifax /Etc...) ? No   Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. Centrica are claimant, CST law are dealing and the court   Were you aware the account had been assigned – did you receive a Notice of Assignment? I believe so yes   Did you receive a Default Notice from the original creditor? I have had multiple letters like everyone else who has been on the forum over the years regarding this matter   Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ? I am unsure, but when I left I had contested the original claim as I was dealing directly with Centrica’s collection team and they never got back to me after the final email I had sent and didn’t hear anything until years down the line   Why did you cease payments? N/A   What was the date of your last payment? N/A   Was there a dispute with the original creditor that remains unresolved? Correct I oringinally contested what was owed back in 2017 and gave my reasons for leaving and I assumed the matter was closed   Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? No  
    • OK thanks again Andy.   And understood 👍😉
    • Thank you for this. The first thing to be say is that this means that you are winning. It is pretty well unheard of in my experience for the bank to give way and finally return the money. The fact that they have done this under the threat of a judgement for breach of statutory duty indicates even more that they are worried about their position. Nowhere have they indicated that they have complied with the requirements of the Proceeds of Crime Act and informed the National crime agency. I don't believe they have and this is a very serious breach of statutory duty. Not only that it is a very serious breach of the FCA BCOBS regulations in that they are required to treat you fairly. Treating you fairly in this case means that they must comply with the rest of their statutory duties. It appears that they really haven't done this at all and that they have acted in an arbitrary way in disregard of the law and that they are hoping to get away with it. I find myself wondering how many other hundreds of people have been treated in exactly the same way – and you are probably the first ever to have stood up to them and to get them worried. I think I've already indicated that a press contact of mine in the Sunday Times would be very interested in this story. He has already run stories about the very poor standards applied by banks when deciding that their customers are involved in some fraudulent behaviour. The first thing to say about the letter which you have received is that they are trying to apply conditions to releasing your own money. It's your money and there should be no conditions and my suggestion is that you object to this. Secondly, not only are they threatening to continue to withhold your own money – but also they are saying that if they release it to you you will simply have the net figure without any kind of interest or compensation. It's clear that while they have had your money, they have invested it and earn money on it. They have probably been lending it out at between 16% and 20% and although the usual rate of interest is 8%, it seems to me that justice can only be served by repaying you your money plus the commercial rate of interest – at a compound rate. Normally the 8% is calculated at simple. Thirdly, they are not offering to pay you any compensation and clearly they are hoping to get away with it without any kind of sanction or not even a slap on the wrist.   Fourthly, they had the nerve to impose a seven day deadline. Don't worry about their deadline. It's a load of huff and puff. This is all part of their bluff game designed to intimidate you. At the end of seven days – what? Are they then going to insist on going to court?   If they really believe that they had done everything correctly and that the money was fraudulent, then they would not offer it to you back under any circumstances. It would be illegal for them to do so. You can be certain that these people do not want to go to court. In fact they probably wish they had never started.   Finally, they want the matter to be kept confidential – and I can't say I blame them. I would be ashamed if people knew that I had treated somebody else in this way and I'm sure they are worried about reputational damage. I'm also sure that there are extremely worried about what will happen if you get a judgement against them for breach of statutory duty. It will have to be reported to the FCA. It will have to be reported to the NCA. And of course it should be reported to the newspapers because people need to know what is going on. If you want, you can simply accept their proposal – get your money back, given confidentiality – and that's the end of the matter. However, you have no idea how this will impact on your record in the future. I imagine that they will bar you from ever opening an account with them again. – But at least you will have your money and you can get on with your life. However, if you want you can stand your ground and make it clear to them that you are going to be mucked around and treated like this and that you are prepared to go to court if they won't make a proper offer. I understand that you need to pay a court fee of about £350 in the next seven days. I expect that the bank is making this offer now hoping to dissuade you from spending any more money and hoping that you will back down. If you have the money to proceed then I would suggest very strongly that it will be a very serious sign of strength that you tell the bank that you're not interested in that you are paying the fee for the next stage of the court process. If the bank knows that you've called their bluff on this and that you have been prepared to invest further money in moving this legal action forward, then they will start to reflect and I can perfectly well imagine that they will make you another more interesting offer – once again on conditions of confidentiality. Without seeing any further offer, I'm already suggesting that you will probably be best off turning it down. In any event, I would remind you going back several months that I already predicted that the bank would make you confidential offer – and that has happened. I'm not saying that I'm always going to be right here – but I think that now basically the bank have pretty well admitted that they need to pay you your money, there is no chance of you losing it. You will get your money and it really is just a question of how much else you will get in addition. If you'd like to continue then let me know and I will suggest a draft response to them.
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Loans 2go lying dont have v5 but still trying to take my car help!

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Hi all



i bought a car from a well known family friend in may 2005 .



Received a letter from loans 2 go ( logbook loans) a week and half ago saying that there was finance secured on my car and to call them .



Rang them asked what was owed

had payments been missed ect

they would not tell me under the data protection act .



Regardless i was fuming so got in touch with family friend bought car off

he explained he enquired in january this year about a £1000 loan

they said he could not get as had ccjs against him so he left shop .


Then i received letter saying finance was taken end of march which he claims knows nothing about .

The company provided me with a bos but not actual agreement which claims he took £3000 finance .


I rang the shop stating this is not ies signature so did the friend

they wont provide origional agreement to either of us



i asked how he was paid loan

they wont answer to both of us

or how he was going to pay this loan back he had taken, as no direct debits set against his account ( proved this )



i have the original log book

i asked if i could go to shop to look at the log book they claim to have as evidence

they banged phone down also to view cctv of when my.


Friend was in shop signing this agreement

they just kept saying area manager dealing with

so long story short we went to police filled fraud case .


Since then balifts have been at my door

i have hidden car

but they saying civil matter

they will find n take

i said not civil as police now involved ?



What do i do now as they following me

and still sitting outside my home at different times?




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I will try and find someone who can help, but they might not be able to look in until later on in the day.


I have also moved your thread to the correct forum. You need do nothing, this is purely an administrative move and you will still be able to find your thread via User Control Panel (User CP) - top right of the screen :)


It might be worth you having a read round other threads in this section as this appears to be a regular issue.

Have we helped you ...?         Please Donate button to the Consumer Action Group


Uploading documents to CAG ** Instructions **


Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first


1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read





2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS


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.



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All the info and useful links are here, keep the car hidden whilst you try to resolve



Do you have a problem with a Logbook Loan?


With Citizens advice estimating that over 60,000 of these loans were taken out in 2014 alone

an increasing number are causing severe difficulty and distress for borrowers.


In this guide we explain what a logbook loan is, and how they work. What you can do if you have a repayment problem,and what you can do if you have unknowingly bought a car with a logbook loan attached.


Three golden rules for Logbbok Loans


1)No matter how desperate you are to purchase a car, or raise cash, NEVER consider this type of Finance

These loans are designed purely for the benefit of the lenders. With APRs of 400+%, little consumer protection, and aggressive debt collectionicon practices

they should be avoided at all costs.


2)When purchasing a used car from whatever source,private or trade, ALWAYS do a FULL GENUINE HPI CHECK

costing around £20, these come with a guarantee against any form of existing finance, including lbl's


3)If you have any problem with a Logbook Loan, your first step is ALWAYS to check that the Bill Of Sale has been registered with the High Court. You can do this here-


to check if registered


Contact Details


QB Enforcement Section

Room E15-17

Royal Courts of Justice




DX 44450 Strand


Telephone: 020 7947 7772

Fax: 0870 324 0024

Email: [email protected].g ov.uk (No Spaces)


You may read on the internet that your BOSicon will be void if witnessed by an employee of your lbl lender


Since the OFT( as was) lost the attestation case on appeal by 2 to1 this is NOT the case


full details here http://www.bailii.org/cgi-bin/markup...method=boolean


Logbook loans are a form of credit dating back to the Victorian era, derived from the 1878/1882 Bills Of Sale Acts, with terms and conditions to match in many cases.


Problems are manyfold from extortionate charges by lenders for calling a customer, to repossessions where owners have been left at the side of a busy road, unable to get to work, and even sexual harassment via debt collection.


Poor practices abound, unsurprising when there is no incentive for lenders to ensure their customers understand the terms or can afford the repayments.


In fact the very nature of this form of finance could be seen to encourage bad behaviour – why carry out affordability checks if a single missed payments means you get to keep the money and takeaway the car?


How does it work?


When you take out a logbook loan you will be asked to hand over your vehicle’s logbook or vehicle registration document, which proves you are the registered keeper of the vehicle.


You’ll also have to sign a credit agreement and a form called a ‘bill of sale’. This means the lender now owns your vehicle on a temporary basis but you are still able to use it so long as you meet all loan repayments. These documents are recognised by law in England, Wales and Northern Ireland but are not used in Scotland.


The law only recognises a bill of sale if the lender registers it with the High Court. If it’s not registered, the lender must get a court’s approval to repossess your vehicle. You should check if the bill of sale is registered.


What you should do if you have a repayment problem


1) check your Bill Of Sale is registered as above


2) the lender must send you a default notice which complies with the requirements of s87(1)cca1974

allowing you fourteen clear days to remedy any default (which can be after one missed payment)


You should , if your lender will not negotiate a reduced payment, straight away on receipt of the default notice look to take out a time order. This gains you the protection of the court, which can look into the overall loan--




What you can do if you have purchased a car with an existing logbook loan


If you receive a letter threatening to repossess the car or an enforcement officer turns up at your home to take it, you may not be able to stop them.



ask to see proof of their identity and their authorisation to take the car

ask to see the bill of sale document – they have to show you this if you ask for it

if you feel threatened by how an enforcement officer is behaving, call the police

ask for written confirmation of what has been taken

get the contact details for the logbook loan company.

If the lender has taken your car, you can try to get it back and reclaim your money from the seller. However, this can be a costly and time-consuming process and is not guaranteed to succeed.


If you want to get the car back, you could pay off the outstanding loan and then take the person who sold you the car to court, to try to get your money back.


If you just want to get your money back, you can take the person who sold you the car to court.


Always get independent advice before you decide to take someone to court.


Some lenders are members of the consumer crediticon Trade Association (CCTA), which has a code of practice covering logbook loans. The code of practice says the lender must register the logbook loan on a register, so it will show up when you carry out a history check on the car. It also says they must obey certain rules when they repossess a car.


If you are unhappy with the way a logbook loan lender or its enforcement officers have behaved, find out whether they are a member. If so, you can complain directly to the CCTA. However this code is regularly ignored




Finally both the Financial Conduct Authority and the Law Commission are investigating Logbook Lending

and the associated legislation, full details here--











Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

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Your first action is to check with the courts as above that the BOS is registered


If fraud is involved contact the FCA immediately







Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

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why not CCA loans2go?


and I doubt the guys wanting the car are bailiffs either.


just no powers repo guys



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 cca request under s77 and SAR to Loans 2 go(by your friend)


As DX says the repo guys will be self employed on commission no powers


certainly not bailiffs







Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

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  • 5 months later...

Hi just an update


it was found loans 2 go dropped the case lack of evidence!


Hmm the employee vanished

the branch has been shut down


so be very careful if you receive a letter saying someone has a logbook loan against your car

because they might not have even with a forged bos and credit agreement do your homework !


Luckly they never got my car but could have if i didnt hide it .


How many more innocent people are they doing this too false credit agreements bos

and no one has even took a loan yet they snaffle your car!


Unreal !

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It may be worth doing any checks you can to see if finance is still registered against the car. Also follow up with the FCA, as it sounds like something dodgy has happened, which needs investigation.

We could do with some help from you.



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