Anglia visit today to repo - Scotland

[logbookloanhell]

Hi again,

 

My parents had a visit today from a dodgy representative and seemingly his wife looking for my car to repo.

 

I called the guy as he left his number and he pretty much admitted that he cant take it from a private driveway but if it hits the public road then he will snap it up quickly even although he doesnt even have a court order. Well he cant get a court order cos it wouldnt be granted in SCotland!!!

 

He says he will visit several times and report bk to LBL. I told him good luck in his endevours but no way jose are they getting my car. He claims the DONT need a court order which is lies although im fully aware they will take it if they get a chance.

 

The car is far far away and is secure but can any1 give me any kind of advice and also does any1 know a lawyer who specialises in this field ??

 

ta!

[cctv engineer]

Hi logbook.

 

have your car hidden well i hope. were did you take the loan out on your car ???

[logbookloanhell]

I took it out this yr and i met the LBL rep @ local cash generators

[cctv engineer]

I took it out this yr and i met the LBL rep @ local cash generators

 

 

scotland or england

[logbookloanhell]

scotland, everything done in scotland

[cctv engineer]

scotland, everything done in scotland

 

 

how did you first contact lbl. ??? how much have you loaned against the car and how much have you paid back. and on your paperwork is it a HP aggrement or a hire aggrement.

[logbookloanhell]

i filled in their online form, borrowed £1700 , paid £250, its an hp agreement

[cctv engineer]

so you have a bill of sale. your case is going to be a hard one for any solicitor.

how much is your car worth and what age is it ???

[logbookloanhell]

I dont have a bill of sale CCTV.

 

its a hire purchase agreement. its worth 3 grand and its 4 yrs old

[cctv engineer]

I dont have a bill of sale CCTV.

 

its a hire purchase agreement. its worth 3 grand and its 4 yrs old

 

 

Hi logbook on your hpi it is a bill of sale. what paperwork have you had from lbl. i.e termination letters/court letters/ and your balance

[logbookloanhell]

iv had quite a few letters inc termination, no court letters though.

they want £1700 today which apparently still leaves £11000 outstanding!!!!!!!!!!!!

 

I thought a bill of sale is not valid in scotland cctv?

[cctv engineer]

iv had quite a few letters inc termination, no court letters though.

they want £1700 today which apparently still leaves £11000 outstanding!!!!!!!!!!!!

 

I thought a bill of sale is not valid in scotland cctv?

 

 

a bill of sale is not valid in scotland and can not be exicuted in scotland under scots law. but your problem is you went with a company in england.

 

logbook...... you need to see a solicitor tomorrow i am going to pm you what you need to ask your solicitor.

[logbookloanhell]

thanks for ur help cctv, look forward to receiving it!

[cctv engineer]

thanks for ur help cctv, look forward to receiving it!

 

 

Hi logbook. just pm you some info i hope it makes sence.

[trooper68]

If they gave you a Loan with a BoS and did not refuse then thats there problem, they should have declined you the loan full stop, heance the way they train the reps, they will seel to any one due to commision-this actually proves it really-think about it, the BoS cannot be signed by someone benifited from the sale-by the BoS law... So if the rep sold you the car and kept the commisson secret, no one knows any better...BoS can stand....

 

He's what I would do, hunt down the BoS laws, print them off, when he turns up (agent) tell him to his face, then give him a sealed letter for LBL containing the BoS laws, high light the Valid only in England and Wales bit, tell him that if he makes any move to take the car-you will hold HIM personally accountable for the removal of my car. Ask him for the Car Removal Certificate number-he must give you this if you request it, I bet you he will not, as he won't have one...

 

 

 

Trooper68

[cctv engineer]

If they gave you a Loan with a BoS and did not refuse then thats there problem, they should have declined you the loan full stop, heance the way they train the reps, they will seel to any one due to commision-this actually proves it really-think about it, the BoS cannot be signed by someone benifited from the sale-by the BoS law... So if the rep sold you the car and kept the commisson secret, no one knows any better...BoS can stand....

 

He's what I would do, hunt down the BoS laws, print them off, when he turns up (agent) tell him to his face, then give him a sealed letter for LBL containing the BoS laws, high light the Valid only in England and Wales bit, tell him that if he makes any move to take the car-you will hold HIM personally accountable for the removal of my car. Ask him for the Car Removal Certificate number-he must give you this if you request it, I bet you he will not, as he won't have one...

 

 

 

Trooper68

 

 

 

 

no point looking at the scotish law about a bill of sale. it is scots law that stops them being used in scotland IT DOES not cover you at all if you have taken a bos out with a company in england.

[trooper68]

no point looking at the scotish law about a bill of sale. it is scots law that stops them being used in scotland IT DOES not cover you at all if you have taken a bos out with a company in england.

 

They cannot enforce it full stop, if they do they will be braking the law...

They have to go through the courts in scotland.

 

 

trooper68

[cctv engineer]

They cannot enforce it full stop, if they do they will be braking the law...

They have to go through the courts in scotland.

 

 

trooper68

 

 

if you are the original person on the bill of sale then no court order is needed as signed on the bill of sale...... a court order is only needed if you have stored your car at another location other than the address on the bill of sale or if the car has been sold onto a third party.

[logbookloanhell]

if you are the original person on the bill of sale then no court order is needed as signed on the bill of sale...... a court order is only needed if you have stored your car at another location other than the address on the bill of sale or if the car has been sold onto a third party.

 

 

CCTV, I do not have any Bill of sale attached to my car which LBL cofirmed today. They gave me a hire purchase agreement as an alternative, as per my other post have u ever heard of a memorandum of delivery as this is what they claim gives the the legal right to take thecar without any order etc

[cctv engineer]

CCTV, I do not have any Bill of sale attached to my car which LBL cofirmed today. They gave me a hire purchase agreement as an alternative, as per my other post have u ever heard of a memorandum of delivery as this is what they claim gives the the legal right to take thecar without any order etc

 

 

 

Hi logbook. did they look at your car when you took the loan out. also you have posted your hpi check. and it is listed as a chattle morgage. can you post your agreement up ???

 

a memorandum agreement is just like a bill of sale except no court has to stamp it. either party can stop the agreement at any time with full payment or collection of goods listed on the agreement. in your case your car. but unlike a bill of sale the amount on the agreement is the loan amount ..... no stupid interest.

[logbookloanhell]

Hi logbook. did they look at your car when you took the loan out. also you have posted your hpi check. and it is listed as a chattle morgage. can you post your agreement up ???

 

a memorandum agreement is just like a bill of sale except no court has to stamp it. either party can stop the agreement at any time with full payment or collection of goods listed on the agreement. in your case your car. but unlike a bill of sale the amount on the agreement is the loan amount ..... no stupid interest.

 

 

Hi there, here is the hpi check:

 

Alert Details

Outstanding finance

Recorded against VRM

Description x

Date x/x/2010

Finance house LOG BOOK LOANS LTD

Finance house telephone 0870 033 9530

Agreement reference F0343xxxxxx

Agreement type Chattel Mortgage

This is a complicated area of lending and is sometimes referred to as a 'Bill of Sale'. A Chattel mortgage might give

the finance company right of ownership over the vehicle and you would be advised to make further enquiries before purchasing.

 

if you remember I faxed my agreement to yourself CCTV

[cctv engineer]

Hi. logbook, this might sound hard on you but i have to get some points across. on the 4th of june you was to see a solicitor ..... did you go. ???

also you have had a termination notice from the 3rd of june giving you 16 days (that ends tomorrow) you will get alot of help on here but none of it is any good if you dont help yourself. 2 people have lost there cars this week from the forum.

 

please use photobucket and load all your paperwork up so as we can all see and help you. Image hosting, free photo sharing & video sharing at Photobucket

 

dont let it get as far as lbl getting a court order against you.