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Middletonian

Log book loan help 3 loans same co. 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]


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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 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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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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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 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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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 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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