Mobile Money ceased and sold my car...

[nellio]

I am seeking some advice here. Maybe I am too late but i just can't get over the fact that my car is gone forever and personal property within the car too.

 

I foolishly took out a loan from the Gateshead branch last July 2009. I was making the payments on time up until November when I lost my job, drastically reducing the amount of income into the family home. I asked if I could make token payments until I found work. I was asking if I could pay about £50 per month instead of almost £200. Basically the manager refused that amount and the threats of repssession started. Anyhow, on January 21st of thsi year 2 big lads came to my door and said they had come for the car. I had friends round at the time and not wanting to cause a scene in front of them I handed over the keys. He told me to contact the office about getting the car back.

 

I rang them up and they told me that they would keep the car for a month before selling it. They wouldn't allow me to bring the account up to date they only wanted full and final settlement.

 

After about 3and a half weeks I managed to raise the cash to get the car back so I started calling them to arrange pick up. Everytime I called I would be put to voicemail after a couple of rings. I left a message saying I had the cash and when could I pick it up.

 

The next day I recieved a text of all things saying sorry but the car is sold we tried toi contact you on numerous occasions without suscess so we had to sell the car. A cheque for the difernece is in the post.

 

I was absolutley devastated that my car had gone forever which then made me think well at least I need my personal possessions back. Desigener £200 long distance glasses and a copy of fifa 10 for PS3 and some CDs. Once again the voice mail tactics started so I sent a text. Within a minute I recieved a text back saying there was nothing in the car except rubbish.

 

The next day I recieved a cheque for £700. The total repayable was £2000 and the car was worth at least £4400 (Parkers Glass Trade Guide).

 

A week later I recieved a letter from DVLA saying that they received notification that I ha dsold the car. Well I certainly didn't sell it nor did I sign the log book so I suspect that they forged my signature.

 

Is there anything I can do to hopefully (a) Get some personal recompense or (b) get the buggers closed down for theft,fraud whatever?

 

Please help!!!

[nellio]

Bump^^^

[wannabedebtfreesoon]

Hello nellio, I think your situation may come under log book loans.

Have a look at this forum, I'm sure you will find lots of expert help in that field there.

Log Book Loans / Bills of Sale - The Consumer Forums

 

If appropriate maybe you could get your thread moved there

 

Best of luck, I'm sure there'll be something that you can do

[nellio]

I have copied a pasted this on another readers advice as this seem to be the busier forum.

 

 

nellio Novitiate

 

Angry Mobile Money ceased and sold my car...

I am seeking some advice here. Maybe I am too late but i just can't get over the fact that my car is gone forever and personal property within the car too.

 

I foolishly took out a loan from the Gateshead branch last July 2009. I was making the payments on time up until November when I lost my job, drastically reducing the amount of income into the family home. I asked if I could make token payments until I found work. I was asking if I could pay about £50 per month instead of almost £200. Basically the manager refused that amount and the threats of repssession started. Anyhow, on January 21st of thsi year 2 big lads came to my door and said they had come for the car. I had friends round at the time and not wanting to cause a scene in front of them I handed over the keys. He told me to contact the office about getting the car back.

 

I rang them up and they told me that they would keep the car for a month before selling it. They wouldn't allow me to bring the account up to date they only wanted full and final settlement.

 

After about 3and a half weeks I managed to raise the cash to get the car back so I started calling them to arrange pick up. Everytime I called I would be put to voicemail after a couple of rings. I left a message saying I had the cash and when could I pick it up.

 

The next day I recieved a text of all things saying sorry but the car is sold we tried toi contact you on numerous occasions without suscess so we had to sell the car. A cheque for the difernece is in the post.

 

I was absolutley devastated that my car had gone forever which then made me think well at least I need my personal possessions back. Desigener £200 long distance glasses and a copy of fifa 10 for PS3 and some CDs. Once again the voice mail tactics started so I sent a text. Within a minute I recieved a text back saying there was nothing in the car except rubbish.

 

The next day I recieved a cheque for £700. The total repayable was £2000 and the car was worth at least £4400 (Parkers Glass Trade Guide).

 

A week later I recieved a letter from DVLA saying that they received notification that I ha dsold the car. Well I certainly didn't sell it nor did I sign the log book so I suspect that they forged my signature.

 

Is there anything I can do to hopefully (a) Get some personal recompense or (b) get the buggers closed down for theft,fraud whatever?

 

Please help!!!

[trooper68]

I have copied a pasted this on another readers advice as this seem to be the busier forum.

 

 

nellio Novitiate

 

Angry Mobile Money ceased and sold my car...

I am seeking some advice here. Maybe I am too late but i just can't get over the fact that my car is gone forever and personal property within the car too.

 

I foolishly took out a loan from the Gateshead branch last July 2009. I was making the payments on time up until November when I lost my job, lliodrastically reducing the amount of income into the family home. I asked if I could make token payments until I found work. I was asking if I could pay about £50 per month instead of almost £200. Basically the manager refused that amount and the threats of repssession started. Anyhow, on January 21st of thsi year 2 big lads came to my door and said they had come for the car. I had friends round at the time and not wanting to cause a scene in front of them I handed over the keys. He told me to contact the office about getting the car back.

 

I rang them up and they told me that they would keep the car for a month before selling it. They wouldn't allow me to bring the account up to date they only wanted full and final settlement.

 

After about 3and a half weeks I managed to raise the cash to get the car back so I started calling them to arrange pick up. Everytime I called I would be put to voicemail after a couple of rings. I left a message saying I had the cash and when could I pick it up.

 

The next day I recieved a text of all things saying sorry but the car is sold we tried toi contact you on numerous occasions without suscess so we had to sell the car. A cheque for the difernece is in the post.

 

I was absolutley devastated that my car had gone forever which then made me think well at least I need my personal possessions back. Desigener £200 long distance glasses and a copy of fifa 10 for PS3 and some CDs. Once again the voice mail tactics started so I sent a text. Within a minute I recieved a text back saying there was nothing in the car except rubbish.

 

The next day I recieved a cheque for £700. The total repayable was £2000 and the car was worth at least £4400 (Parkers Glass Trade Guide).

 

A week later I recieved a letter from DVLA saying that they received notification that I ha dsold the car. Well I certainly didn't sell it nor did I sign the log book so I suspect that they forged my signature.

 

Is there anything I can do to hopefully (a) Get some personal recompense or (b) get the buggers closed down for theft,fraud whatever?

 

Please help!!!

 

 

Hi Nellio

 

You my friend, sorry to say have fallen victim of a very elabrate and legal (questionable) [problem]-basicly.

 

These guys use a very dated law predating the CCA, often on the borrowers ignorance and to cap it off sting them of hundreds of pounds.

Thats how these guys work, have a read of the posts and you will get a feel of the misery these bottom feeders do to thier victims.

 

I would speak to a SOL to see if you can continue with chasing through the courts, but as you handed over the keys you surrenderd the car I very much think you really don't have a case, the only thing i can think off is your items left in it..

 

 

trooper68

[Scissors36]

Dear sir/ madam, a man came yesterday eve to repossess my car on say so of mobile money, he had no visible SIA badge, no certificate or photo, came in t-shirt and jeans, several of my personal possessions are in the car also, told him I could pay £500 there and then and come to an agreement to pay off the rest, was told no one was available to contact at mobile money, but yet does he not have to hand in keys to the company?, no default was brought to me, and he gave me a warrant of repossession which did not include company address or vat Traiding number, and is addressed as 'dear sirs!'(Iam female!), no mention of my name in letter, just car reg and make, then signed by Geoff Chilton(mobile money ltd), can you please help me urgently so I know where I stand, I did explain to the man a mr Jason proctor that I had been trying to save enough to pay total loan and sometimes ignored legitimately taken, no copy of bill of sale, no proof of I'd in any form from collection agent, and he didn't bring default notice, just a stamped logo letter for warrant of repossession( no address or VAT reg number), didn't even have my name on letter anywhere, I'm going to keep going until these blood sucking idiots are struck off the trading list!!