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Tom00

Previous Owner Log Book Loan: Bill Of Sale could be invalid?

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Hello all.

I unfortunately and stupidly purchased a car that has an outstanding log book loan on it.

The loan company are threatening to take the car away unless i can settle the amount they have requested.

I have sent many emails asking for proof of ownership on their part

they finally agreed to send me a redacted copy of the bill of sale.

 

The odd thing is that the reference number and high court stamp are on a completely separate page and are different to the supposed reference number and registry date.

 

Does the stamp and reference number have to legally be on the page of the bill of sale?

If it is not as in this case then will the bill of sale be invalid?

 

Please see the attached, it looks like they have added the stamp page to try and fool me...


Any help that can be provided to understand this would be greatly appreciated.

 

Thank you.

 

240229 bos.pdf

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Could it be that the stamp and reference number on the original Bill are on the back of it, not on a separate page?

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bet it not registered.

 

page 2 is a photo copy

page 1 is not.dodgy!!

 

moved to the LBL forum.

 

use our guide

 

 


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1 hour ago, Ethel Street said:

Could it be that the stamp and reference number on the original Bill are on the back of it, not on a separate page?

Thanks Ethel, that could be the case yes. Even if it was on the back am I right in thinking the date of the stamp is well off the date on the bill regardless of which format its in? 

27 minutes ago, dx100uk said:

bet it not registered.

 

page 2 is a photo copy

page 1 is not.dodgy!!

 

moved to the LBL forum.

 

use our guide

 

 

 

Thank you for moving it to the right section. Am glad I found the site, seems to be a lot of useful information! 

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Posted (edited)
20 minutes ago, Tom00 said:

Even if it was on the back am I right in thinking the date of the stamp is well off the date on the bill regardless of which format its in? 

 

 

 

Good question, the Bill appears to have been made on 6th November 2018 but the stamp on the back is 4 months earlier, 11 July 2018. I don't know enough about these to comment further, sorry. Maybe just go back to them and ask them to explain the discrepancy? Ask them also to confirm that the stamp appears on the same document as page 1 of their pdf?

 

dx100's link tells you how to check if it is registered.

Edited by Ethel Street

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I have heard back from the log book loan company, they have now provided a new pdf of the bill of sale which now has a completely new bill of sale number and a high court stamp that is now dated only a few days after the bill of sale (see attached). 

 

My concern is they have just taken a number from another bill of sale where the date of registry is acceptable.

 

I have been in contact with the Queens Bench Enforcement and they have suggested that if i pay the £50 search fee they will just confirm that a bill of sale exists for the vehicle, they will not provide me with the bill of sale number and the date it was registered. I hope this is not true.

 

Any advice would be greatly appreciated. Thanks

240229 (LN56 PBZ) Stamped BOS.pdf

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now you have it

email it to them

they will check its registered for free AFAIK

they don't need to search for it

did you not do that with the one you already got?

 

dx

 


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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Sadly the high court will only check if a bill of sale is registered with them and will not supply any additional details such as the registration date.

 

And to top it off they charge £50 just to do that!

 

They wouldn't care if the bill of sale was legitimately registered in time or not by the looks of things.

 

Even if it is registered, which it probably is, i get the feeling it wasn't done within the 7 days required.

The loan company are saying the initial mistake was human error but having scanned thousands of two sided documents myself i cant see how a number/stamp from a separate document can end up being created within that PDF, the only way that can happen is if someone manually splices it on purpose.

 

The loan company still don't understand my reluctance to give them money without concrete proof that they own the car, they haven't even provided me details of where the amount required for me to buy the car off of them came from, it could just be made up for all i know :(

 

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now here is a rhetorical question- if the log book loan co were pulling a fast one then they wont be willing to go to court to get their car back because the truth will out.Would you be willing to risk that possibility? If so call their bluff

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33 minutes ago, ericsbrother said:

now here is a rhetorical question- if the log book loan co were pulling a fast one then they wont be willing to go to court to get their car back because the truth will out.Would you be willing to risk that possibility? If so call their bluff

 

Funny you should say that. I have suffered enough sleepless nights over this already so i have gone directly to their complaints department and requested this whole thing gets dropped before i take it to the next level. Even if they do have a valid bill of sale the process of dealing with myself as a victim is wholly inadequate, especially as they don't seem to be able to provide anything legally saying they own the car or the outstanding balance without breaking their data protection rules.

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