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    • Mart1991
    • By Mart1991 12th Sep 17, 1:12 PM
    • 4Posts
    • 1Thanks
    Mart1991
    Help with logbook loan please
    • #1
    • 12th Sep 17, 1:12 PM
    Help with logbook loan please 12th Sep 17 at 1:12 PM
    Hello,
    Basically my idiot brother has taken out a logbook loan against our fathers vehicle because he and my father have the same name. He has taken the loan out and has not kept up with the repayments. Can the logbook loan company still reposes the vehicle as the vehicle is not owned by my brother but by my dad.
Page 1
    • macman
    • By macman 12th Sep 17, 1:16 PM
    • 41,290 Posts
    • 16,955 Thanks
    macman
    • #2
    • 12th Sep 17, 1:16 PM
    • #2
    • 12th Sep 17, 1:16 PM
    Are they at the same address? If not, what address did idiot brother use?
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    • Mart1991
    • By Mart1991 12th Sep 17, 2:48 PM
    • 4 Posts
    • 1 Thanks
    Mart1991
    • #3
    • 12th Sep 17, 2:48 PM
    • #3
    • 12th Sep 17, 2:48 PM
    Yeah same address
    • Caz3121
    • By Caz3121 12th Sep 17, 3:00 PM
    • 10,782 Posts
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    Caz3121
    • #4
    • 12th Sep 17, 3:00 PM
    • #4
    • 12th Sep 17, 3:00 PM
    Is your father prepared to report your brother to the police?
    • StopIt
    • By StopIt 12th Sep 17, 3:05 PM
    • 892 Posts
    • 820 Thanks
    StopIt
    • #5
    • 12th Sep 17, 3:05 PM
    • #5
    • 12th Sep 17, 3:05 PM
    It depends on a crucial factor before deciding the next step.


    What Date of Birth was used?


    If the person used theirs, any action to recover the vehicle will be stopped by the proof of ownership being registered to the father. The guy will then basically be subject to the lender shopping him to the police for fraud, but will protect the vehicle.


    If the person used your dads date of birth? Well, in that case, from the lenders point of view, the car is legally under their ownership until the loan is paid. To stop any action being taken, your dad must file a fraud complaint to Action Fraud and the police.


    Same resolution really. Your brother will be in the proverbial for fraud and the vehicle will be safe.
    • Mart1991
    • By Mart1991 12th Sep 17, 3:49 PM
    • 4 Posts
    • 1 Thanks
    Mart1991
    • #6
    • 12th Sep 17, 3:49 PM
    • #6
    • 12th Sep 17, 3:49 PM
    Problem is that my dad will not report him to the police im not sure what date of birth was used but he is currently on 2 year suspended sentence for theft my dad will not report him
    • marliepanda
    • By marliepanda 12th Sep 17, 4:06 PM
    • 4,677 Posts
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    marliepanda
    • #7
    • 12th Sep 17, 4:06 PM
    • #7
    • 12th Sep 17, 4:06 PM
    Problem is that my dad will not report him to the police im not sure what date of birth was used but he is currently on 2 year suspended sentence for theft my dad will not report him
    Originally posted by Mart1991
    Then he could lose his car.

    He can't have it both ways.
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    • AndyPix
    • By AndyPix 12th Sep 17, 4:23 PM
    • 2,695 Posts
    • 1,829 Thanks
    AndyPix
    • #8
    • 12th Sep 17, 4:23 PM
    • #8
    • 12th Sep 17, 4:23 PM
    Your brother sounds like a top bloke
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    • Mart1991
    • By Mart1991 12th Sep 17, 4:26 PM
    • 4 Posts
    • 1 Thanks
    Mart1991
    • #9
    • 12th Sep 17, 4:26 PM
    • #9
    • 12th Sep 17, 4:26 PM
    U dont know the half of it trust me hes a waste of life. If they come to reposess the car ill phone them and tell them it was done through fraud he needs to learn and stop relying on my dad to pay off all his debts and loans he already owes my dad £45,000 hes nearly 30 and acts like a 5 year old but my parents dont help when they constantly bail him out
    • forgotmyname
    • By forgotmyname 12th Sep 17, 4:48 PM
    • 25,718 Posts
    • 10,221 Thanks
    forgotmyname
    Report it to the police or payup or lose the car appears to be the options.

    I cannot see the loan company accepting anything else.
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    • dresdendave
    • By dresdendave 12th Sep 17, 5:38 PM
    • 639 Posts
    • 735 Thanks
    dresdendave
    U dont know the half of it trust me hes a waste of life. If they come to reposess the car ill phone them and tell them it was done through fraud he needs to learn and stop relying on my dad to pay off all his debts and loans he already owes my dad £45,000 hes nearly 30 and acts like a 5 year old but my parents dont help when they constantly bail him out
    Originally posted by Mart1991

    If they come to repossess your dad's car then surely it's your dad's decision to either report it as fraud or lose his car to keep his son out of prison.*


    * Assuming committing fraud would jeopardise his suspended sentence.
    • Gambler101
    • By Gambler101 12th Sep 17, 6:10 PM
    • 503 Posts
    • 1,242 Thanks
    Gambler101
    If that were my brother he would be lucky if I reported him to the police instead of putting him in hospital for a few weeks and im not joking.
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    • Tarambor
    • By Tarambor 12th Sep 17, 6:12 PM
    • 1,174 Posts
    • 815 Thanks
    Tarambor
    U dont know the half of it trust me hes a waste of life. If they come to reposess the car ill phone them and tell them it was done through fraud he needs to learn and stop relying on my dad to pay off all his debts and loans he already owes my dad £45,000 hes nearly 30 and acts like a 5 year old but my parents dont help when they constantly bail him out
    Originally posted by Mart1991
    Wasting your time. First of all you're a third party and they are not legally required to deal with you and in fact the DPA prevents them discussing it with you without the subject's consent.

    Secondly without a crime number for a reported case of fraud they'll take no notice. How many times do you think they've heard the "it wasn't me" excuse?
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