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    • love the extra £1000 charge for confidentialy there BF   Also OP even if they don't offer OOC it doesn't mean your claim isn't good. I had 3 against EVRi that were heard over the last 3 weeks. They sent me emails asking me to discontinue as I wouldn't win. Went infront of a judge and won all 3.    Just remember the law is on your side. The judges will be aware of this.   Where you can its important to try to point out at the hearing the specific part of the contract they breached. I found this was very helpful and the Judge made reference to it when they gave their judgements and it seemed this was pretty important as once you have identified a specific breach the matter turns straight to liability. From there its a case of pointing out the unlawfullness of their insurance and then that should be it.
    • I know dx and thanks again for yours and others help. I was 99.999% certain last payment was over six years ago if not longer.  👍
    • Paragraph 23 – "standard industry practice" – put this in bold type. They are stupid to rely on this and we might as well carry on emphasising how stupid they are. I wonder why they could even have begun to think some kind of compelling argument – "the other boys do it so I do it as well…" Same with paragraph 26   Paragraph 45 – The Defendants have so far been unable to produce any judgements at any level which disagree with the three judgements…  …court, but I would respectfully request…   Just the few amendments above – and I think it's fine. I think you should stick to the format that you are using. This has been used lots of times and has even been applauded by judges for being meticulous and clear. You aren't a professional. Nobody is expecting professional standards and although it's important that you understand exactly what you are doing – you don't really want to come over to the judge that you have done this kind of thing before. As a litigant in person you get a certain licence/leeway from judges and that is helpful to you – especially if you are facing a professional advocate. The way this is laid out is far clearer than the mess that you will get from EVRi. Quite frankly they undermine their own credibility by trying to say that they should win simply because it is "standard industry practice". It wouldn't at all surprise me if EVRi make you a last moment offer of the entire value of your claim partly to avoid judgement and also partly to avoid the embarrassment of having this kind of rubbish exposed in court. If they do happen to do that, then you should make sure that they pay everything. If they suddenly make you an out-of-court offer and this means that they are worried that they are going to lose and so you must make sure that you get every penny – interest, costs – everything you claimed. Finally, if they do make you an out-of-court offer they will try to sign you up to a confidentiality agreement. The answer to that is absolutely – No. It's not part of the claim and if they want to settle then they settle the claim as it stands and don't try add anything on. If they want confidentiality then that will cost an extra £1000. If they don't like it then they can go do the other thing. Once you have made the amendments suggested above – it should be the final version. court,. I don't think we are going to make any more changes. Your next job good to make sure that you are completely familiar with it all. That you understand the arguments. Have you made a court familiarisation visit?
    • just type no need to keep hitting quote... as has already been said, they use their own criteria. if a person is not stated as linked to you on your file then no cant hurt you. not all creditors use every CRA provider, there are only 3 main credit file providers mind, the rest are just 3rd party data sharers. if you already have revolving credit on your file there is no need to apply for anything just 'because' you need to show you can handle money. if you have bank account(s) and a mortgage which you are servicing (paying) then nothing more can improve your score, despite what these 'scam' sites claiml  its all a CON!!  
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car cash point LBL - Burlington/Marstons wants car _ Live in NI


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Thank you honeybee I very much appreciate this.

I don’t want to sound like a whinger but I feel completely on my last legs at present.

 

Here goes:

in April 2018 I took out a logbook loan with car cash point. The loan was for 2000. 


I fell into difficulties a few times but always got back on track within a week or two.

Due to covid I asked them ( they have on their website they were doing deferrals) for a deferral and I had a couple of them.

 

I paid an intermittent £100 here or there during this time.

I set up a further repayment plan of £80 per week beginning 12th December and made the first payment.

 

Unfortunately my aunt and uncle who were like second parents to me developed covid and one of them died on 20th December and the other on 22nd December so you can imagine it was a horrendous time. Tbh helping my mum get through day to day was my focus over those initial few weeks was my main aim. I didn’t keep an eye on my bank and my payments didn’t repeat.

 

fast forward to Monday evening I am driving home from work and receive a telephone call from a man telling me he was at my home to take my car and if I did not cooperate he would phone the police and report it stolen.

I said I would phone the police which I did and they confirmed they would not be doing anything as it was a civil matter.

 

This man continued to intimidate and verbally abuse me on the phone telling me I shouldn’t be taking things when I cannot pay for them and who did I think I was driving in a car that belonged to a finance company etc etc. 


the next morning I made a complaint which was passed to Burlington who surprise surprise won’t uphold it as the officer told a different version completely.

 

I had been trying for two days to negotiate with CCP to try and reset up a plan.

I sent 7 emails and finally got response tonight telling me I must pay £2800 by Monday which is arrears and Costs or the full balance of £3750!!!

 

They say if I do that they will cancel the instruction to recover.

But that at present the car is going to be lifted as soon as sighted.

 

I have not slept or eaten in 2 days. I’m a key worker with social services and cannot concentrate on my job.

I simply cannot find that money.

 

I am scared out of my wits that they will come to my parents house.

I live with them and they are elderly and I cannot tell them about this it would put them over the edge.

 

I simply don’t know what to do I am a nervous wreck and wouldn’t wish this on anyone. 
I took the loan for £2000 and have now paid in excess of £4700 back. 
so sorry for how long this was.

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  • dx100uk changed the title to car cash point LBL - Burlington rep wants car Urgent help

quick advise is keep the car on private property outside of your use of it

get an sar off to CCP 1st thing tomorrow.

 

is this Burlington the car recovery lot or is it Burlington bailiffs i suspect the former as the loan has not been to court yet.

if so they are simply guys with flatbed trucks

they are NOT bailiffs

and have zero legal powers.

 

have you had a default notice please?

 

dx

 

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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Thanks DX for responding to me. 
I got default notice quite some time ago when had missed a few payments but had got back on track after this. 


I am in Northern Ireland

not sure if this makes any difference.

 

It seems to be Burlington’s/ marstons if that helps any. 


Private property at my home.

Off the main road there is a driveway and the car would probably be visible from main road but I presume they would know it is private property.

 

My fear is that they would come in middle of night to collect it whilst we are asleep. 

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bill of sale too please

 

follow this guide

Log Book Loan Guidance - Log Book Loans / Bills of Sale - Consumer Action Group

go ring up tomorrow and check the BOS HAS been registered.

 

if you wish follow our upload guide and scan up all the paperwork you have to one multipage PDF. asap.

 

here all night for you.

 

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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Thanks so much you might regret that lol.

 

Quick question

whilst I try to get the documents.

I see that the FCA have advised no repossessions until 31st January of vehicles.

Unless in exceptional circumstances.

Surely they have to adhere to that as they state they are part of FCA and adhere to their code of conduct 

 

convert-jpg-to-pdf.net_2021-01-14_00-01-10.pdf

 

Apologies if this is not correct I have tried following all steps and put all pics into pdf but can’t seem to find them to upload

 

Sorry I see that this doesn’t look right.

Took me ages sitting trying to get all in place :(

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  • dx100uk changed the title to car cash point LBL - Burlington/Marstons wants car Urgent help _ Live in NI

drop the file to the box at the bottom of a msg box

or click choose files

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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got your upload

too much too redact tonight

where is the court stamped bill of sale.

 

dx

 

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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5 hours ago, dx100uk said:

Log Book Loan Guidance - Log Book Loans / Bills of Sale - Consumer Action Group

go ring up tomorrow and check the BOS HAS been registered.

 

do as above, this looks like it's total BS without it.

 

when you took this out was your credit file shot with

defaults 

late payments

multiple debts or loans

and you couldn't get credit anywhere?

 

dx

 

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

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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On 28/01/2015 at 11:18, theoldrouge said:

If you have any problem with a Logbook Loan, your first step is ALWAYS to check that the Bill Of Sale has been registered with the High Court. You can do this here-

 

to check if registered

 

Contact Details

 

QB Enforcement Section

Room E15-17

Royal Courts of Justice

Strand

London

WC2A 2LL

DX 44450 Strand

 

Telephone: 020 7947 7772

Fax: 0870 324 0024

Email: [email protected].g ov.uk (No Spaces)

 

get this done today

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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get the above done today now^^^^

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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I sent an email first thing this morning and have had no response.

I tried 4 times calling but get placed on hold for ages and the phone rings off. 
I will have to post but may take a while then. 
is there anything else I should be doing?

I sent a letter to them this morning outlining a complaint 

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wind marstons up

text him:

where is the bill of sale please?

 

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

Lol I’m actually scared to as I’m scared they will come to my elderly parents home. 
I stay mostly with my bf now and I changed my address with company 2 years ago and that’s the updated address though on my tax book is my parents address and the address on bill of sale will be my parents 

I put a written complaint into them also. Spoke to FCA on phone and they confirmed no repossessions are allowed to take place until 31st January 

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6 minutes ago, Melissa2574 said:

and the address on bill of sale will be my parents 

so you remember signing one?
 

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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eventually got thru you pdf 

found the BOS 

so i believe you now need to check its ben registered within 7 days to the NI High court.

im investigating where that is now. might not be the same as above

Agreement+BOS.pdf

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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