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    • and more positive change From next year, mobile phone, paid television and broadband companies must inform customers of any price rises at the point of sale. The changes, ordered by Ofcom, will come into force on 17 January and mean that any mid-contract price rises must be given “in pounds and pence” and in a “clear and comprehensible” way.   Taken a change of government to do it after years of bluster about it eh?   Mobile phone companies banned from hiking prices mid-contract based on inflation WWW.INDEPENDENT.CO.UK The new year plan ensures providers are transparent on prices at the point of sale  
    • Could he/ his partner set up a new internet bank account?  In his name ? It depends which country, I imagine. Most UK banks want proof of address and ID, probably more. If your friend/partner can use the house address and provide bills that could help. You would need to look at various online banks and see what their requirements are. Or there are expat accounts but I haven't looked closely at how they work. Could I then get his pension diverted to that new account?  That would at least cover some costs  ( ie epc/ storage) I'd have thought the DWP would pay to a new account, as long as the person they're authorised to deal with asks them and provides details. The international pensions people in Newcastle are pretty helpful.
    • HB - he has certainly given me a challenge ! I set a plan in motion. A refinance plan that would have enabled me to take time to sell one asset and sort out another for him.   The bank account blockage has hindered the plan.  His partner seems to think I can do everything w/o paying anyone for anything.  I don't mind helping - but it's not normal to clear out 2 properties, organize storage or sale of possessions, get properties ready for sale/ rent - w/o being paid.  He has the money to pay for things and services - and for my help - but the blockage prevents that. If the refinance plan could still be actioned then at least I would have some time to sell one asset.  Could he/ his partner set up a new internet bank account?  In his name ? Could I then get his pension diverted to that new account?  That would at least cover some costs  ( ie epc/ storage)
    • It's a shame that your friend didn't take care of this while he had capacity and before he left the country, isn't it? He seems to have made your mission impossible. HB
    • HB - this form and process is as I remember it from handling relatives cases.  It's a timing thing.  Which has passed in terms of my friend
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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.  

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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.

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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
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Letter from Logbook loans-pls help with response

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Hello, I'd be very grateful for any help on this; we got into some financial diffifulties before christmas and the only way we could raise some money fast was to take a small loan from logbook loans-how I wish I'd read about them on this site first. The loan was only ever intended as a very short term thing, with the aim of repaying it in full next month.

Well, yesterday I received a letter telling me that I was in arrears (of £46.80=2wks payment)-but I'm not.

I have proof of payment (there have only been 3 payments so far) and I would like to send a copy of them recorded to their head office but I would like some ideas on how to word the letter-they've also charged me £12 in this letter!


Please help-I really don't want this to escalate as I dont owe them any arrears and from reading about them on here I'm very very concerned.

I'm unsure of how to word the letter but I want to say that a) here's proof that I don't owe you anything, b) refund the £12 and c) don't even think about taking the mick!


Would be very grateful for any help.



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I wouldn't normally sugest this but..... If you just give them a call and explain the situation to them to see what they say about it, you might get it sorted out straight away without any problems, they'll probably ask you to send proof of the payments, but that's simple enough done.


If not, or if you prefer to do it in writing from the start, if you have a payment book simply send them a photocopy of the relevant page showing the "on time" payments, and tell them that you require what you consider to be an unwarranted charge to be removed from the account.


You don't need to go into any form of "legal speak" at this stage, just point out the facts to them and ask them nicely to resolve the issue. But send it recorded delivery.


Then just get the whole thing paid off as fast as you possibly can and get rid of them.

Nil Illigitimus Carborundum

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  • 11 months later...

I Am Plastering This All Over The Place. When The Baliffs Come Out To Repo The Car. Ask!!!!! Them For Their Sia Badge (security Industry Authority) It Is A



Requirement To Have This Unless They Are Applying For One They Will Have A Licence Dispensation Number. If They Look At You, Scratch There Head (mine Did When He Came To Visit) And Says They Dont Need One Contact Your Local Police And Insist They Take Action. Or Contact The Sia Website For Info The Have The Power To Prosecute The Baliffs If Enough People Do It.


Good Luck

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  • 2 months later...

Lbl clamped my hubbys car today while i was working in a customers house!!! they ran when i came out, after a talk with my cusin who is a machanic i removed the clamp and drove the car away, i left the clamp by the road side ( any one need advise on how to remove the clamp please email me). we got in this situation because my husband lost his job at xmas, and we dropped behin with the payments, can i re-registare the car iin my buisness name!! would this stop them, or change the number plate!! Please can anyone give any advise they are driving me mad they want £1000!! we cannot afford this, and we cannot afford to loose the car.

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Hi leezadavies and welcome to CAG.


I wouldn't do anything rash and I'm sure that LBL would find your vehicle, even if you could re-register it and change the plates - DVLA would still know the original licence number anyway and they freely give out information to the relevant organisations.


I would suggest you contact the National Debtline - National Debtline, for FREE CONFIDENTIAL and INDEPENDENT ADVICE call 0808 808 4000 or your local CAB to find out your rights and options.


All the best of luck.

Mr & Mrs Ananya's story so far -

Welcome Finance - account closed - no CCA - 02/07 - £1500

NatWest - settled in full 09/06 - £600

NatWest - settled in full 06/07 - £72

Verso - Settled in full 07/08 - £2002

C.K. Edrupt/Provident - account closed - no CCA - 04/07 - £640

Littlewoods/Shop Direct - 2 accounts closed - Statute Barred - 04/10 - £800

D.C.A.s who've given up so far -10

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Hi Jo1471,how long have you been fighting lbl? Do you still have your car?

i have read threads from people who have bought cars from dealers that lbl have intrest in , i have a friend who can run me a hpi on my car and tell me what it says i will let you know, but they are not entitled to put the loan on the car has hpi apparently its just a marker?

I dont want to sell the car because it took us ages to find this one and its what we really wanted, but i,d rather scrap it than let lbl get there hands on it:mad:

Keep in touch

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  • 5 months later...

I've looked through most of the forums to do with LBL, and have found some very useful advice, which has helped me to beat them, yes that's right beat them.

My partner, before we met got a loan from LBL for about £1500 at a very small APR of 247%. Most of the debt had been paid back when she fell into financial difficulty and could not reply. Like most other people have posted LBL began to phone, harrass and basically threaten her into making the repayments. LBL then came up with the wonderful and helpful way of helping her (NOT), of re financing the outstanding balance at the same APR. She got told sign the agreement or we'll take your car, so understandably under the threat of that she signed.

After contacting LBL to inform them of change of circumstances nothing was heard from them, so not being our place to chase them we didn't (this might have been a mistake on our behalf). It wasn't until a few weeks ago that we next had contact from them, well from the nice people from Anglia UK Ltd who almost kicked our door in at 6 in the morning.


The chap at the door stated he was a bailliff (which he was not, and does not have their powers) and was here to reposes the car and for us to give him the car key. He entered our house without permission and was promtly told to leave. He was not in possession of the bill of sale or warrant but just waved a piece of paper in our face with the car details on. When he was told that we would call the Police he said "call the f######g Police, we've already clamped your car". He was asked to show his SIA badge to which he said "show's how little you know, i don't need one".


LBL were then contacted, who stated they had not received our paperwork and so they were seizing the car.


On checking through the paperwork i discovered that the second agreement form that my partner had signed had been infact sent out to her with a pre signed witness signature on with a covering letter stating sign this and get it sent back recorded delivery, which she had done. I spoke to the manager and informed him that the agreement form was not legally binding because the witness had not been present. After a short time he came back on the phone to say "I tell you what, we'll just write the loan off. I've phoned Anglia Uk and they're taking the clamp off". I confirmed with him that he was writing the full amount which was around £5000 outstanding off, to which he said "yes". Anglia UK Ltd then removed the clamp and after a few choice words from them left. As the clamp was taking off i noticed that it had damaged the wheel, to which they just laughed in my face.


As a result of all this we have contacted LBL and Anglia Uk Ltd asking for compensation for the wheel. I have been contacted by a solicitor acting on behalf of LBL who is now looking into the case for them and will be contacting me in due course, but as of yet no contact back from Anglia Uk Ltd. From doing research on the net under the SIA Act 2001 all vehicle immobilisers by law must hold an SIA licence, Anglia Uk Ltd DON'T, and as the agreement was not lawfully binding, to clamp our car and damage it means they have committed criminal damage.


The best part was we now have the log book back and a conformation that LBL no longer hold an interest in our car!!!!!!!!!!!!!!:)

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