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Car Cash Point 3 LBL 2 repo's now 3rd one looming

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On 17/10/2019 at 23:02, dx100uk said:

urm… 

 

pers I think that agreement is unlawful under numerous points:

 

£2778.64 for a £660 loan over 156 weeks..crikey!! is that 300% int rate allowed over such a long period [3yrs!]?

 

6.4.3 costs associated with ENTERING upon the address ...NO they CANNOT DO THAT THEY ARE NOT BAILIFFS

 

3.3. after issuing a default notice they can take possession of the vehicle without going to court - WRONG!! [1/3rd payment]

 

cant see a court stamp on that bill of sale. 

 

can't see dated signitures by you, them or a witness on it!! on the same BOS page 

 

5.1.1 must have an MOT ..cant see that in BOS rules!!

 

5.1.2 may enter the address at anytime to inspect the goods! - no cant see that in the BOS rules!!

 

 

all below 6.1.5 - they or their agents may enter at remain at any address ….

 

 

I don't like the points above

and im sure the bill itself has to be stamped

but there we go

the practice of the stamp being on a sep sheet seems quite common.

 

they don't make ref to the Consumer credit act and protected goods either.

[if you have paid over 1/3rd the goods cannot be seized without a return of goods order by a court]


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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Thanks Dx. Are you sure on the 1/3 payment part. I’ve looked on citizens advice/StepChange and many others websites and can’t see a mention of this relating to Lbl/BOS loans 

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BOS does not over rides your rights under the consumer credit act

 

 


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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Thanks, I did have a read of this before and couldn’t say anything relating to the 1/3. Trying to not have a breakdown at the moment so it’s all a bit of a mind bender. 

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Credit Agreement Details are Not On The Bill Of Sale

they must be


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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Which details per se? It does give the loan amts, interest and repayments?

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Makes no ref to it at all

Yet another reason its void


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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so what happened?

 

dx


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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