Not a problem, i just thought i would share my story as its this site and the great peoples information on here that has helped me achieve this result. In fairness they have not battled too hard at all and i didn't even request any refund at all. I merely requested further information and their position on the claims of irresponsible lending and i got a major shock when i received the letter offering me a refund of 50%. Cheers Shaun

Hi All, I just thought i would let you all know of how i have dealt with Payday UK (MEM) and in fairness got a bit of a good result, I was a fool in 2011 and took our payday loans continuously for almost a year and i defaulted on the last payment of £145. I was unaware of this and had moved house!! I have emailed them directly not admitting the debt and requesting a copy of the CCA and also a full summary of accounts. I also questioned what information and been sent to my old property and been divulged to the new tenants. I have too and frowed emails explaining that they should have made a search on my credit file to find my new address and the company could not dispute this fact. I have also questioned their morale practice with allowing me to pay a loan and take one out again immediately. Well after quite a few emails back and forth and agreeing to providing my new address so a final response can be sent i have received this yesterday morning. My intention was to get the default wiped and my file cleared!! Well to my suprise the final response informs me that they will not clear the default but will show it as settled and they will agree to pay back 50% of the interest for all of the loans so the £145 is cleared and they will pay me back over £650 also. Well i know the credit file will still show a default, however i have arranged a notice of correction with the credit reference agencies and my credit file is now clear and has increased by over 400 points in the last 6 months of sorting my previous stupid decisions relating to credit. In summary do not accept the debt, challenge it, fight them all the way and you may just get a result. I know the initial situation i got myself into was my own fault however i was a fool and going through a terrible time financially and to be fair that also does not give the right for these companies to rip people off. Cheers Shaun

Right they have just provided me with the documentation they hold at black horse, Literally just a copy of one page of a signed agreement, Stating it is HPA, however there is no mention of the finance being front loaded at all! Also a statement of account from when they dealt with the account before transferring it to DLC. If i am honest the paperwork is worthless in my opinion, It gives very little information at all so unless they can produce something more substantial then i think they may have some problems. What are my best options from here? How do i pursue this matter, they have raised a complaint on my behalf which is now with the litigation department. But i am unsure of how to deal with this going forward and what angles to take. Any help would be much appreciated. Cheers Shaun

Awesome thankyou very much i just wanted to know in case they term it different on the paperwork. With a SAR request do they have to produce All documents and notes etc? The reason i ask is they were in breach of terms and conditions and they did not provide me with court notice or a notice of reposession. Had i had more common sense i would have dealt with this at the time. regards shaun

Thanks, I look forward to the SAR request then, really stupid question here but what is VT and VS? what does it mean? Thanks again Shaun

Hi Guys, Thanks for the help, i am looking into this as we speak, all the information has now been requested directly from BH rather than DLC. I often wondered how i can still be paying this now when it was a debt in 2007 however they have now kindly informed me this was a "front loaded agreement" so the interest is all loaded to the front of the agreement and i am paying everything from the original price. Is this even possible? I have kindly dropped the Chairman an email Chris Sutton requesting the SAR and i have also sent it via email and i have requested literally every bit of information they hold on the account including court papers etc. They have stated they will send this and have apologised and they have raised a complaint on the account for investigation. I am not holding my breath at all, however i now know they cannot deny me the SAR and it will be done as a matter of priority. Cheers Shaun

Hi Dx100UK, I think they have stung me with VT but i will certainly check that on the paperwork, i have made a request for all paperwork but BH are not dealing i have to deal with DLC capital. I have checked with the county court however and the account still definitely shows as BH so a notice of correction has not been issued correctly. The payments have always remained the same so unfortunately i cannot go down that route. I have no copy of the judgement no statements and no copies of notice of correction as they were all sent to an address i have not resided at since 2007. The car was repo'd on an agreed date and i arranged for their reposession company to collect the vehicle. They will almost definitely have added reposession fees for the vehicle. I am just at a loss as to where to go as i am being passed from pillar to post and i have had so many conflicting stories it is unreal. I have requested a full copy of all paperwork and bill of sale for the vehicle etc. I will also request a copy of the notice of correction etc and a statement from the county court. What are my grounds for dispute? I am thinking i will dispute the bill of sale if they cannot produce this and i will also dispute any reposession charges etc. However the balance they have stung me with also includes most of the interest charges up to the end of the original agreement hence i will be looking to dispute the whole balance. Do you think i have fair grounds to get the remainder wiped? Also could i claim miss sell with PPI if it is on the agreement? cheers Shaun

Hi Fletch70, Thanks for your response, i have checked with the county court and it appears the account still shows in the name of Black Horse and not the new DCA. My understanding (correct me if i am wrong) is that DLC capital should have served a notice of correction to change the ownership on the account with the court. I have been in contact with possibly 20 different people in numerous places and they all give conflicting information. I have also requested a full and detailed copy of all CCA and documents and they say this can take up to a month. The reason for this is that i have suspisions that the vehicle was sold at auction after repossesion but the sale was not reduced from the outstanding balance. Can i legally request a copy of the proof of sale etc? I am gathering as much information as possible so i can dispute the whole account as there appears to have been multiple short fallings. Regards Shaun Wright

Hi this is my first post so i apologise if this is not done correctly . I was a bit of a fool in 2005 and took a car on finance that i couldn't afford, the car was repossessed and a CCJ issues in 2007, there was also an attachment of earnings completed at this point and it has been paid every month since to black horse. I have not heard anything regarding this account for a few years now and i was only thinking yesterday i wonder what the balance is on the account. I contacted black horse and they advised me that the debt was sold to a debt collection agency in october 2011 due to non payment. I then contacted the agency it has been sold to and they advised the payments were all up to date and that the debt was simply transferred to themselves as black horse have sold it on. I was wondering can a debt be sold on if an attachment of earning is active and no payments have been missed can the debt be sold on to another company? Also i am now thinking of contesting the figure of the debt and i have requested this information from the third party company and they are sending me this information. Any help will be appreciated. cheers shaun