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    • Hi everyone,  There were many topics on this issue in the past. May I please have an update if anyone managed to buy or sell the house with the leasehold air space on it? would the bank lend the mortgage?  If I was not informed about the complications when selling the house. instead, they told me that this would add value to the house and sell faster which is the opposite. Can I file the case and dispute it for mis-sold and misrepresentation?  I am in the year 9th and I was not aware of the issue until I wanted to sell my house. There has been no communication since I signed the contract. The company has never contacted or updated me on how much energy the panels generated how much I used etc.    This is a free panel from the government schemes, run by  Freetricity.   Thank you   
    • All together.   
    • should i copy them in the same email or seperatley ?
    • Just do the n244 no counterclaim Plenty of examples upon what to put already here.  Dx
    • Thanks in advance for advice! I was shocked to find out when doing a credit score search this weekend that I have a CCJ in my name. I've spoken to the courts today and have been told Vehicle control services have taken me to court for parking without a permit in my own allocated parking bay that came with my flat rental. The CCJ appears to be to the right apartment block but the wrong address.  It dates back to 2017. The judgement was passed in April 2021 without my knowledge of the ticket or the case ( presumably fine information was sent to the wrong address) I had already been taken to court by VCS previously for parking in my own bay and I won. It seems to me that this is underhanded behaviour from VCS as they had my address from previous interactions and had tried taken me to court for something that a judge had previously ruled on. I'm seeking advice on next steps. I was told by court that i can raise a dispute on the CCJ but I also want to appeal the case altogether. Should I be filing an  N244 Application Notice with an N161? I was told I should pay the court £303. Now that I've got home and had a look, there is a long list of court fees so I'm not sure which is applicable. I was also told the £303 is not refundable. Should I be filing a counterclaim or is that something that can be done at a later date. Ultimately I feel disgusted at having a ccj and then having to pay for the privilege of getting it removed. Any advice on how to make VCS pay for this would be appreciated!
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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.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

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      Many thanks 
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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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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.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      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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Log Book Loans


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Do you have a copy of the bill of sale & the credit agreement you can scan in?

i will be off site for the next month or so. if you have any problems, feel free to report the post so a moderator can help you.

 

I am not a qualified or practicing lawyer.

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  • Was the bill of sale registered? Ask to see the court seal showing registration

How do I check this my self? I've been told it probably isn't.

  • Has a default notice been served and if so, has the period expired?

Nope didn't receive one.

 

these are the important two for the time being.

 

You need to write to the Royal Courts of Justice in London and ask if the BOS was registered with them and when it was. Most of these simply do not get registered which makes the Bill totally void and therefore the money owing wouldn't be secured on the vehicle. If this is the case then you would be perfectly able to sue them for the vehicle + damages etc.

 

The car shouldn't have been reposessed unless there was a breach of default. This is a serious breach of practice and warrants a complaint to both the OFT and The FOS as well as Trading Standards.

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once we have ascertained the BOS is void we can then look at the credit agreement and pull that a part, you may well have an unenforceability argument as usually these agreements are very badly drawn up.

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i should hope so too! i deal with these in the old day job hehe :)

 

Hm.... Nationaldebtline I presume?

i will be off site for the next month or so. if you have any problems, feel free to report the post so a moderator can help you.

 

I am not a qualified or practicing lawyer.

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Log Book Loans and their associated repo companies/thieves are all criminals and this is why most of the discussions should be away from a public forum that is known to be monitored by LBL. They do not act within the law or stick to any legal agreements they are simply there to rob the poor who cannot afford legal representation and for whom any involvement with the police is muddied by the criminal/civil blur.

Be warned cos these people are utter ****s, keep the details of your case for pm's, Trading Standards, OFT etc.

Best advice I can give is any approach made to you by LBL or their associates contact CAB, OFT, police & solicitors immediately!

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Log Book Loans and their associated repo companies/thieves are all criminals and this is why most of the discussions should be away from a public forum that is known to be monitored by LBL. They do not act within the law or stick to any legal agreements they are simply there to rob the poor who cannot afford legal representation and for whom any involvement with the police is muddied by the criminal/civil blur.

Be warned cos these people are utter ****s, keep the details of your case for pm's, Trading Standards, OFT etc.

Best advice I can give is any approach made to you by LBL or their associates contact CAB, OFT, police & solicitors immediately!

 

Well for those saddos from LBL who trawl through this forum here is a tip.

 

WE KNOW YOUR LITTLE GAMES - WE KNOW THE LAW - WE ARE NOT AFRAID TO USE BOTH CRIMINAL AND CIVIL LAW TO DEFEAT YOU.

 

Obtaining property by deception is a criminal offence which carries with it a prison sentence. Make sure anything you say when talking to your victims is within the law because it may not sound so good when the tape is played back:p

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Well for those saddos from LBL who trawl through this forum here is a tip.

 

WE KNOW YOUR LITTLE GAMES - WE KNOW THE LAW - WE ARE NOT AFRAID TO USE BOTH CRIMINAL AND CIVIL LAW TO DEFEAT YOU.

 

Obtaining property by deception is a criminal offence which carries with it a prison sentence. Make sure anything you say when talking to your victims is within the law because it may not sound so good when the tape is played back:p

 

It Is a Criminal offence to steal a car from someone but lbl seem to get away with doing it again and again I can't for the life of me understand how they are getting away with it . I am starting to think that the OFT and the traiding standards have given up because they must have had lots of complaints about LBL by now and still nothing gets done . I am fed up of coming on this site and reading about another poor person getting there car stolen and finding out there is nothing they can do !! I feel so sorry for all those people I have been there and I know how they feel .

 

I was advised to go for a "team court action" I am starting to think we should all get together and do something about this mob to put a stop to all the pain and stress they are causing to there costomers . Alex

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I agree Alex, the officials I was speaking to today are as convinced as we are that this is just one huge [problem], but proving it is the problem.

If it wasn't for this big blur between criminal and civil we'd be laughing all the way!

Will nail my colours to the wall tho, I'm in this for the long haul, no matter what. :cool:

Log Book Loans, if you are listening? You picked the wrong person this time, I'm coming to get you!!!!

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LBL have been reported to the police on numerious occasions throught the country without anything happening & this is despite the police being advised by lawyers that thefts have taken place. They do nothing so the next time they tell you they have to investigate ALL criminal allegations such as kids fighting in the playground or golly's being sold by a toy shop tell them rubbish they don't

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Its easy for them to dismiss it as civil as soon as you mention any kind of finance..

Mine are awaiting instructions from TS, so at least they are listening some what.

Not enough, but its a start.

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I did wonder what would happen if I found out where my car was being held and went and took it back...

"well officer, you told me it was a civil matter....."

 

My car, I've still got the keys, replacement V5 easy to get. What could they do about it?

My problem is knowing where they took my car!

 

(not saying I'm going to, I'm being hypothetical!) ;)

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Well report it as a theft. If the police say its a civil matter say no it isnt I have V% and I did not give permission for vehicle to be taken. If they fail to act a complaint should be made directly to the chief constable via your solicitor

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I did wonder what would happen if I found out where my car was being held and went and took it back...

"well officer, you told me it was a civil matter....."

 

My car, I've still got the keys, replacement V5 easy to get. What could they do about it?

My problem is knowing where they took my car!

 

(not saying I'm going to, I'm being hypothetical!) ;)

 

 

I found out where my car was and I had time to go and get it because I knew it was in a place that I could just go and drive it away from , it was out in the open (not in a secure compound) like Gemini said it was .

 

I was charged £15.00 a day for storage because Gemini said it was in a safe place where no one can get access to it but I have photos to prove that was not the case . I never went to get my car because I never thought Gemini would sell it I thought I would have time to sort the problem out and have my car returned but I was wrong they sold my car first chance they got as I was not willing to pay them the £750 they wanted to haave my car brought back to me .

 

I wish I had went down and brought my car back home I am regreting not going down for it when I had the chance . If it had been Gemini that took your car (madriggie) I could have been a help to you but as it was not them that took your car I dont have a clue where it might be but one think is for sure I would go and get your car back if you get the chance as they stole it from you in the first place .

 

Alex

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Alex thats such a shame, I wish it had been Gemini now because it would probably have been the same case for us, and we would have gone and got it and stashed it some where until this was over.

Anglia who took our car said it was going to be at some where called dva in Manchester? That ring any bells with any one? Could have been a bluff...

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  • 3 months later...
I did wonder what would happen if I found out where my car was being held and went and took it back...

"well officer, you told me it was a civil matter....."

 

My car, I've still got the keys, replacement V5 easy to get. What could they do about it?

My problem is knowing where they took my car!

 

(not saying I'm going to, I'm being hypothetical!) ;)

 

Can you PM me & tell me in which county you live

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God I am so glad we have managed to scrape together enough to pay off our loan with these people. We have had a letter from them confirming the account is paid in full and return of the original v5 docs, just wondering if it is worth checking no entries on the HPI register. Not sure how to do this either.

Good luck to all of you dealing with these "robbers". Is it worth someone coordinating a mass complaint about LBL to the OFT and or the FOS, notice a couple of other threads where people are trying to get together mass complaints about DCA's etc.

ali x

Btw I am no expert just give notes based on what I have read on here and other forums/sites, plus my own experiences and investigations.

 

All ccj's now dropped off file, 2 yrs to go to clear file.

All old debts either settled or made unenforcable.

 

RBS MPP-Full offer at 8 wks from first complaint

RBS Overdraft loanguard-full offer at 8 wks from complaint

Citicard ppi-with FOS finally paid 8 months after offer through FOS!

Capital one x2- with FOS

Monument ppi-with FOS

aqua x2 ppi-partialled settled still pushing for the rest

Black horse ppi-offers made and accepted except for one early loan they say no info held-still pushing for payment

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