Logbook loan - car repo'd off private drive without consent.please help

[theoldrouge]

Sadly once a valid dn has been issued and expired and not been remedied
they can and will lift off a private drive, provided no damage is caused to the private property
Annoyingly the Government decided to reject the Law Commissions findings regarding LBLs which leaves the DN as your only protection
However, the FOS has beefed up its attitude to LBLs (been lent on imo)
(see the link in the sticky, and read the sample case study)
So your plan of action is
Send a SAR to gather all the required information
Read the FOS link and the CCTA guide from 4.7 onwards
Compile a Formal Complaint
Post it up prior to submission
IMO you have a strong affordability case, and just look at the outcome in the FOS case study!!!

[theoldrouge]

Yes, include everything after reading the links as advised
but be very concise, don’t waffle
they will reject it all anyway
you flesh it out at the FOS

[theoldrouge]

Loan Ref; xxxxxxxx 

 

Regard this as a Formal Complaint in relation to irresponsible lending, Unlawful charges, Car repossession, dealing with financial and mental difficulty in relation to the above referenced account .

 

I bring to your attention that you have irresponsibly lent to me because you did not do appropriate checks.

 

The charges that you have applied to the account are unfair and unreasonable in total you have added £884 in total charges to a loan of £1000. There are charges on the account that are not specified at pre contract stage and are excessive of reasonable costs.

 

I also demand that you investigate the behaviour and practices of xxxxxxxx the third party company instructed with repossession of the vehicle, The agent knocked on neighbours doors to see if I was at home, demanded payment without proof of bill of sale, alleged attempted assault and refused to accept payment as his Manager clearly just wanted the car, removing the vehicle with no notification and no opportunity to remove personal belongings.

 

Despite advising you of financial difficulty/unemployment/severe anxiety/stress/pregnancy/partially deaf. You did not treat me fairly and appropriately and carried on with recovery of debt in total breach of PRIN 6

 

You ignored messages of offering payments and asking what was happening with the account.

 

I did advise you I was partially deaf and you kept on trying to call me as opposed to email/message.

 

Due to the above I demand that you reverse/credit all charges and interest to the account and revert to the financial position before the loan transaction took place. I also demand substantial compensation for the unfair treatment I have received ,in breach of the guidelines, by yourselves, contained within both CONC, and the  CCTA code of practice.

 

Should you chose to reject my Complaint, then I will not hesitate to forward the entire matter to the  office of the Financial Ombudsman Service.

 

I look forward to your early, positive response.

 

[theoldrouge]

Just as expected
You can now flesh everything out at the FOS
using you own words
For the record, for anyone finding this thread helpful
who are the LBL Co involved?

[theoldrouge]

Yes include whatever you can 

that helps your case

[theoldrouge]

You are able to take this up to 

an Ombudsman 

However you will need to provide evidence of the defaulted payday loans and the defaulted Amigo loan you said you had at the time of the Lbl application 

This should be straightforward to provide 

The Ombudsman May well then look more into the other matters