Fed Up with Black Horse

[andybhoy]

A wee moan about Black Horse. Got a personal loan from them, and its all going the wrong way.

I have accured about £700 of charges, but because I'm on a temporary payment plan with them I dont want to start claiming them back.

Since I went on the payment plan, they said all letters would stop, as well as intrest and charges.

The charges, and as far as I know, the Intrest has stopped, but if I get one more letter from these people, I think Im going to crack up.

Thanks for listening!!!

[jo5ephedward5]

i'm sure they are just computer generated letters - ignor them mate!

Balck Horse are lots of fun to deal with, did you sort out a payment plan throught them? if so i'd say still go for refund on charges to reduce the debt - if not have a word with your management company and see what their policy on this is as they may have no objections to you claiming if it reduced your debt.

[andybhoy]

The payment plan was sorted out throught Black Horse, in one of their offices. I was supposed to be paying £130/month, but I told them I could only pay £73/month. They sorted this out for a 6 month period when they will review it.

I dont want to start chasing them for charges just now incase they say I can't have further payment reductions, whatever.

There must be about £700 worth of charges on the account, as they seem to charge £30 for everything, and although the letter recieved this morning isnt in front of me, I am sure they charged me £195 for "Collection Activity".

I am getting so fed up with it, its unreal!!!

[RubioConfusedio]

I have applied for my copy of my credit agreement with Black Horse (came back as a photocopy of the agreement - nice, especially as the TOC aren't on the back!

What do I do now? I have searched the forum and cannot find a simple process to follow - send this get this back etc.

I have been hit by a late payment charge almost every month for a year due to a DD/wages error and also have a £230 'collection charge' which I find bizarre, as the payments have always been made within a week or so if the DD has failed?!

It seem my agreement has gone from 24 months to almost 60 cos of these charges and needless to say I am a bit miffed.

Can someone point me to a forum where the the process is explained nice and simple, for financial morons such as myself (must be a moron dealing with Black Horse!).

Ta.