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    • Not Evris offer, the court offers mediation service.   All claims proceed to hearing if mediation fails /not happen.   Why do you not wish to attend in person to stand your claim ?     Absolutely you must comply with the courts directions or your claim risks being struck out. Preparation for a hearing should happen irrespective of mediation.   https://www.consumeractiongroup.co.uk/topic/460613-suing-a-parcel-delivery-company-when-you-dont-have-a-direct-contract-with-them-–-third-party-rights-copy-of-judgment-available/#comment-5255007   Andy  
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    • Ok many thanks. Just wanted to check that nothing else for us to do / send for the moment. Will update again once we receive a copy of their N181 and proposed directions for review. Our post is a bit hit and miss at the moment. Appreciate the help through this process.
    • Yes and will ask you if you are in agreement and or wish to add /remove any direction.
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      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.

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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.
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      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
        • Like

Logbook loan Co took my car - no warning


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for people to help you they do require a bit more information.

 

you took out a log book loan yes or no

 

then apparently you must of missed a payment yes or no

 

someone else will be able to help you a bit more later

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Yes took a loan out and yes missed a few payments paid a payment in october

 

i moved address well was no fixed abode for a few months and then they wouldnt help what so ever took car without letting me know

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I take it you didn't notify the log book loan company your change of address, or lack of one.

You missed payments and they will of wrote to you at your last known address.

 

Unfortunately they don't have to let you know after you've defaulted.

They are the legal owners of the car.

The only good thing Is you have 14 days to pay them off before they sell the car, auction costs and recovery costs can be added.

If the vehicle sale does not cover all of this they can come after you for the shortfall.

 

Best advice is either pay them off to get car back or let it go.

 

 

 

Tho is froma quick search on internet for log book loans.

 

Logbook loan repossession

 

If a logbook loan has defaulted, the creditor can repossess your car. They must wait a minimum of five days after the account has defaulted before they can take the vehicle away. They don’t need to take you to court to do this.

 

They’ll usually tow away the vehicle. There are no limits on the time they can do this, so they may arrive late at night or very early in the morning. This is normally done by specialist debt collectors or bailiffs (enforcement agents), and they can use force to repossess the vehicle.

 

Extra charges will usually be added to your debt to cover the costs of removal.

 

After the logbook loan company has taken your vehicle they’ll auction it. If the sale price at auction isn’t enough to cover the whole debt, you’ll have to pay the ‘shortfall’. You can treat this like any other non-priority debt, like credit cards and personal loans, and offer to pay it back in instalments at an amount you can afford.

 

If the sale price of the vehicle is more than the total you owe, the difference must be paid back to you.

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Also may i add i never received a default notice either

 

Given that you were of no fixed abode, what is more relevant is if they sent the DN to the address they held for you. If they did that and you didn’t receive it because you hadn’t given them an address at which you could have received it, they’ll have met their obligations.

 

But my previous address was giving me my mail

 

My prediction; if you ask them for details of any DN : they’ll note it was sent out to the address they held for you. By all means ask (Just in case they didn’t issue a DN!), but don’t hold your breath.

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No as i was of no fixed abode

 

 

So you didn't inform them.

Why?

 

Maybe because you didn't want them to find out that their car is now no longer attached to the address they hold for you and your in default.

 

Its of little consequence anyway.

They wrote to you at the last known /given address.

They have fulfilled thir obligations.

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Where were they giving you the mail?

Were you living in their car?

You could of put a royal mail redirection in place.

 

Redirect mail to for example Ford fiesta AAA666Y parked on High Street anytown?

 

Come on sgtbush Royal Fail wouldn't accept that, OP was Homeless. But yes if they sent DN to old address they the have fulfilled obligations. Op needs to negotiate to get back personal property in the car if possible before it is sold if cannot afford to pay .

 

If someone is living in the car, or a traveller in a camper/caravan bieng chased for a CTax LO from their home before they were evicted or left it to go travelling then it is usually exempt from bailiff seizure, not sure about Logbook loans though

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Well I'm afraid that's all the time they have to keep it before auction.

How much is the outstanding balance on the loan and how much is the car worth?

 

Remember auctions are very much cheaper place to buy the car so dont rely on retail price.

 

I'm just worried that they will come after you I their is any shortfall.

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so where was the car when they repo'd it?

well they didn't a powerless repo firm did.

 

left on the road or a drive unroadworthy ?

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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Dx, you need to read up on this, they are not powerless. Extract from a simple tinternet search.

 

Logbook loan repossession

 

If a logbook loan has defaulted, the creditor can repossess your car. They must wait a minimum of five days after the account has defaulted before they can take the vehicle away. They don’t need to take you to court to do this.

 

They’ll usually tow away the vehicle. There are no limits on the time they can do this, so they may arrive late at night or very early in the morning. This is normally done by specialist debt collectors or bailiffs (enforcement agents), and they can use force to repossess the vehicle

 

 

Extract from stepchange charity.

 

 

The last bit is the killer.

 

What make/model/year of car as if you thnk its worth 6k, it wont be anyways near that at auction unfortunately.

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repo agents are powerless they are not bailiffs and have ZERO legal powers

 

bailiffs don't do LBL repos unless ordered by a court.

 

please stop scaring people and placing false statements on CAG

its getting beyond a joke.

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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Its not.

The extrct is from stepchange chariy.

 

Here is the link

https://www.stepchange.org/debt-info/logbook-loan-debt.aspx

 

Please read it or better still, provide a link disputing what I have said.

 

If you think that not knowing the full picture and consequences is "a joke"

I dont sugar coat replys because forewarned is forearmed.

 

What I dont want to happen to the op is the lbl say there I a shortfall and they come after them again

Edited by Andyorch
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then you couldn't have prevented the repo if it was on the road and not gated and/or locked away on private land

 

if you want the car back your only option would be a time order and as this is 2 weeks old already you need to be very quick with it

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

From a quick search your car I prob worth around what you say.

Bear in mind auction prices are lower than retail but from what you Say you owe to the value at auction of your car I think it should cover it and you wont be chased for a shortfall.

I know that its not the easiest thing to go through but at least your going to come out the other side not owing them money.

Chalk it down to experience, re group and get yourself another car when you can.

Save for it, dont get finance if you can help.it.

 

Also Stay away from log book loans. Changes in legislation are coming but until they do they are no better than loan sharks in my opinion.

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