Did you buy a van off eBay from a Hire Company in Cambridgeshire?

Jim

Jim

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Adria Panel Van.
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If you did, your van may not belong to you, it may have a Chattel Mortgage on it. Contact me for details
 
Not that shower of shisters again, the woman who owned the firm was a real niece of work, it took me 4 months to get my £1000 deposit off them after I hired a MoHo for a weekend. Every excuse in the book was used, including ‘ American Express‘ had it, refund had been paid to another person by mistake, and the best one, ‘We have no record of you hiring from us ‘
i hope they get sorted for fraud and anyone affected are recompensed
 
Chattel mortgages (also called logbook loans) are not revealed by the normal checks for finance before you buy. It is a scandal that needs new legislation to fix.
 
It's far to easy for these low life people to profit. Quit a few are realising how easy it is to fleece motorhome owners. Recently a company in Fife was at it and of course Camper NE was very good at it. We are now at the point of not trusting dealers just in case they vanish overnight.
 
wiljoy said:
It's far to easy for these low life people to profit. Quit a few are realising how easy it is to fleece motorhome owners. Recently a company in Fife was at it and of course Camper NE was very good at it. We are now at the point of not trusting dealers just in case they vanish overnight.
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living in a place called 'Crook' maybe that has an influence :giggler::giggler:
 
Bunch of shisters took me for 700 as well

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I suspect this won't be seen...
But there's a FB post trying to organise a group action as apparently around 100 have bought vans which are no longer theirs because this chattel mortgage trumps everything & the administrators are being quite aggressive trying to retrieve 'their' assets
 
It’s newbie can add something when I was working I managed Advice Centres and this issue came up more frequently than you may think. A private buyer can have good title to a vehicle still covered by finance agreements if bought in good faith and it is up to the lender to prove they do not. Checked the CAB website and that still applies but there are conditions so if you or anyone you know is affected tell them to get advice pronto. The Finance Services Ombudsman referees this area.

Can see nothing that says chattel mortgages have any additional legal weight but do not claim to be an expert but I know they are not automatically added to the vehicle finance database so are not picked up on a HPI check but that is more of a problem for the lender than a private buyer if you follow my drift.

Last point never believe the other sides lawyers in a dispute they should not lie but won’t explain how you can defend the position.
 
wiljoy said:
😁😁😁 A village nearby is called No Place and up the road we have Cockfield. I'm happy with Crook.
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I have been to No Place so I know it exists. The Beamish Mary Inn used to have some good music nights many years ago and also had a motor bike hanging on the wall as part of the decor, wonder if it is still there.
 
StumpyChris said:
It’s newbie can add something when I was working I managed Advice Centres and this issue came up more frequently than you may think. A private buyer can have good title to a vehicle still covered by finance agreements if bought in good faith and it is up to the lender to prove they do not. Checked the CAB website and that still applies but there are conditions so if you or anyone you know is affected tell them to get advice pronto. The Finance Services Ombudsman referees this area.

Can see nothing that says chattel mortgages have any additional legal weight but do not claim to be an expert but I know they are not automatically added to the vehicle finance database so are not picked up on a HPI check but that is more of a problem for the lender than a private buyer if you follow my drift.

Last point never believe the other sides lawyers in a dispute they should not lie but won’t explain how you can defend the position.
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A chattel mortgage that has been duly registered at the High Court as a Bill of Sale will give the lender priority over an innocent consumer who bought the MH in good faith from a dealer, without knowledge of the secured loan, even with a clear HPI check. It is an exception to the normal rules that protect consumers.

If the chattel mortgage is not valid for technical reasons, it can be challenged, but who really wants to apply to the Court for a legal remedy. That takes time, hassle, and is expensive.

Some good news on the horizon. The Goods Mortgages Bill was lost in 2019 when Parliament was dossolved for the general election. It has been reintroduced in the HoL as a Private Members' Bill and had its second reading. We hope this Bill will get government support and pass its further stages through Parliament at some point, although it is stalled for now, probably because Parliamentary business is limited by the pandemic.

Broken Link Removed

If or when it becomes a Goods Mortgages Act the legal problem should be fixed, and consumer protection extended in accordance with the recommendations of the Law Commission who I understand drafted this Bill.

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there is a long thread on this issue on the ukcampsite.co.uk forum, the motorhomes were 'owned' by private owners who then loaned the van to a hire company which then went 'bust' and sold off the assets ... And apparently it's not the first time ..
 
Jim just a quick post to say thanks for highlighting this. Whilst I am not looking for a a new MoHo it could save others Hassle. I had never heard of a chattel mortgage so something else learnt.
(y)(y)
 
Langtoftlad said:
I suspect this won't be seen...
But there's a FB post trying to organise a group action as apparently around 100 have bought vans which are no longer theirs because this chattel mortgage trumps everything & the administrators are being quite aggressive trying to retrieve 'their' assets
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The motor homes in question aren't their assets - not sure if that's why you've put in commas :) - as I understand it i.e. the lender on the chattel mortgages is the owner until such times as the company/administrator pays it off. Makes a mockery of the promises made by Unbeatable to investors that their investment was secured on the motor home if they could fraudulently sell it off thereafter without passing the funds on and the subsequent heartache being caused to those who purchased them in good faith now being pursued to return their vehicles.

Begs another question though - again based on my understanding which not being a legal person might be wrong! - which is if the folks who bought these MH's in good faith are being pursued by the company administrator as opposed to receivers appointed by the individual lenders then do they have any standing? By that I mean if I purchase a MH that's subject to a chattel mortgage and an administrator says I have to return it because I have no legal title am I not entitled to place a lien on it until such times as the administrator returns the money I paid the company? If the company themselves never had legal title - owned by the lender on the chattel mortgage until such times as the debt's discharged - then how can the administrator rather than a receiver appointed by the lender chase return of the motor home?

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Q, what legal redress is there against the directors of Unbeatable? Surely the6 have acted illegally and the police should be involved, in addition I would be trying to get a charge on any of their personal property, cause them as much grief as possible.
 
Otter Spotter said:
Q, what legal redress is there against the directors of Unbeatable? Surely the6 have acted illegally and the police should be involved, in addition I would be trying to get a charge on any of their personal property, cause them as much grief as possible.
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Quoting this from www.stevebishop.net :-​

"In addition to an investigation by Cambridgeshire constabulary’s Serious and Complex fraud team, the company administrator, William Batty, reported he was investigating claims that some company motorhomes were lost in fires at depots, stolen, written off or missing in addition to those that were sold.​

Because the company appeared to be in breach of its agreement with some lenders Batty says he has reported the breach to the Insolvency Service.”​

The government’s Insolvency Service says: “If it seems that a debtor, a company or its officers may have committed criminal offences or other regulatory breaches, the case may be referred to our Criminal Investigation Team, the police, a regulator or other investigation agency.”"​

Otter Spotter said:
Q, what legal redress is there against the directors of Unbeatable? Surely the6 have acted illegally and the police should be involved, in addition I would be trying to get a charge on any of their personal property, cause them as much grief as possible.
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Otter Spotter said:
Q, what legal redress is there against the directors of Unbeatable? Surely the6 have acted illegally and the police should be involved, in addition I would be trying to get a charge on any of their personal property, cause them as much grief as possible.
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Yup....proceeds of crime springs to mind.
 
Quackers said:
How can it be right that one of the Directors has set up a new firm doing exactly the same thing again?
Why have they not been struck off?
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If that is true, and a new company has been formed by said Director, whom, it is alleged, may have acted fraudunantly, do we know of the new companies name as of yet?
It might just help stop someone, who in this mad rush to get into motorhoming or investing, or both, from falling foul of such alleged nefarious practices.

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Captain Yoghurtpot said:
If that is true, and a new company has been formed by said Director, whom, it is alleged, may have acted fraudunantly, do we know of the new companies name as of yet?
It might just help stop someone, who in this mad rush to get into motorhoming or investing, or both, from falling foul of such alleged nefarious practices.
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Again taken from Steve Bishops site :-

The sole director of the company was self-confessed Lamborghini lover Andrew Hughes, 55 on November 24, of Golders Farm, Fox Road, Bourn, Cambridgeshire.

His company secretary and Link Removed was Karen Oakley, 54, who is now a director and manager of Vaaroom Ltd, the company which bought the remains of Unbeatable Hire’s business, including the motorhomes, and now holds more than 100 chattel mortgages on investors’ motorhomes. ​

 
Silver-Fox said:
🤔 got an address.

Some of those that have been wronged might like to have a chat with them over a cup of tea 🤷‍♂️
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Ďirectors of Vaaroom Ltd from Companies House website

Screenshot_20210114-203010_Samsung Internet.jpg
 
Jim said:
If you did, your van may not belong to you, it may have a Chattel Mortgage on it. Contact me for details
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:eek: Not directly but their name does appear on a couple of old garage invoices in our vans paperwork. Bricking myself as had never even heard of this type of "finance" until about 4 hours ago - yes, that's how long I've been trawling through CH trying to see if my chassis number is on there :oops: can't sleep until I now now

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