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hackett1987

Varooma Log Book Loan SHARKS!!!! Repossesion Order

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now know why Varooma hassle you to write your review 1 day after taking out the loan,

as obviously you will be happy with them at that point, but my god will that change.

 

I seriously don't know how these guys can trade let alone be a member of the CCTA & FCA

 

I fell into financial difficulty after taking out a £5k loan paying back £500 per month for 24 months,

I took out my loan in January 2015 and have literally just had to sell my £11k BMW for £7k so they wouldn't repossess my car.

 

 

They charged me over £3.5k in charges (not interest I’m talking about just charges) for according to them,

SMS Charges @ £1.5 per text,

one month they sent me 30 apparently,

Outbound call charges £5 per time,

Late payment charges £15,

Default Notice Charges £15,

Default notice reminder charge £15,

Final Demand charge £15,

Demand for payment notice charge £15,

Recovery handling fee £75,

Recover agent fee £475

(I SPOKE TO THE REPO AGENT AND HE SAID THEY DONT GET PAID UNTIL THE CAR IS REPOSSESED).

 

They contacted me to say the car was out for repossession and I tried to negotiate a payment plan,

however they weren't interested,

they wouldn't hold the repossession and demanded I paid over £3k in arrears that day

or someone would come to my work and take the car.

I was 1 month behind 1 month!!!

 

I eventually sold my car @ a £4k loss just to pay these loan sharks.

 

In total I borrowed £5000,

I was 8 months into my loan and had paid back £3481.92 which was £518.08 shortfall (1 month )

and they forced me to pay back another £6857.13 even though I was settling my loan 15 months early.

 

 

In total I paid them loan sharks £10338.92 for a £5k loan and only had it 8 months,

that's £5338.92 profit in their back pocket.

 

They target the venerable and nearly all the way through my loan except at the end

they constantly emailed me offering further advances.

 

 

I have an open case with the financial ombudsman,

I have also contacted the FCA, watchdog and my local MP.

 

 

I won’t let these sharks get away with what they have done to me

 

I tried to post this on Trustpilot and guess what Varooma did

"Varooma reported this review 16 hours ago for the following reason(s):

 

 

  • The review contains sensitive information"

Edited by hackett1987

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Send the company a DSAR - it will cost you £10.00 and they have 40 calendar days in which to respond - the information you receive should identify any calls / sms messages were sent.

 

You can then calculate if their charges are incorrect.


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Just a question here did you have written permission to sell the car?

The reason for asking was if the car was subject to collateral for a loan it's not your property to sell. It belongs to the loan Company. ...

 

Also if they found out and there were outstanding issues they could still repo it. Just a thought here. .


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I think you have a good case here

 

 

do it properly and you might even get the money for the car back too.

 

 

sar a must

have you the Bill Of Sale too?


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Hi All

 

 

The BOS was ok, they actually registered it 4 weeks after, but applied for an extension from the court, which was granted.

 

 

I did have written permission from them to sell the car.

 

 

I just can see how charging over £3k in charges is legal.

 

 

I wrote directly to the 2 directors of the company and never even got a response, but hopefully when the Ombudsman contact them, they will reply.

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