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RichardJH

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  1. Ombudsman acts on bank fees | This is Money
  2. Ombudsman acts on bank fees | This is Money HTH, Richard
  3. Blackhorse are being total ar#es and ignoring every letter that Ive sent, and I know they have been delivered as I have proof of delivery - I am going to complain to the FSA and see what they say about it. As for selling the car..................;-)
  4. yeah we arent disputing its a personnal loan, but that doesnt give them the right to register an interest in the item that was bought with it on the HPI register - to do that they need a HP agreement or a secured loan, which this isnt. Its no different than going to the bank to borrow £3000 and spending it on double glazing for example - the loan isnt secured on the windows so they cant take them away nor can they register an interest in it so they get all the money back if you move house, so why do the same for a car? BTW - Ive PM'ed you seeing as we are in the same boat I thought we may be able to assist each other on this bumpy road along which we tread - lol! Richard
  5. This is a copy of the letter which has been sent by me and received by Black Horse (recorded delivery) To Sir or Madam: Agreement number – XXXXXXXXX Vehicle Registration – XXXXXXX After recently obtaining a HPI check for the above vehicle (copy attached) I am concerned as to why there is an outstanding finance file shown against it. I brought this vehicle with a Black Horse personal loan agreement, which is confirmed at the top of the signed agreement (copy attached). As this is not a Hire Purchase Agreement, I respectfully request that you remove the file held against it on the HPI register and provide me with an explanation in writing as to why a file was placed as such. I have been advised that unless the finance agreement is Hire Purchase, or a "secured agreement", no file should be placed on the HPI register and to do so is a serious misuse of it. The signed agreement cannot be both a Personal Loan Agreement and a Hire Purchase Agreement – please confirm in writing which you deem the contract to be. If you deem the contract to be a Hire Purchase Agreement, then I request documentation detailing it as such. Unless I receive a satisfactory response from Black Horse Ltd, replying to my above requests and giving written confirmation of the removal of, or the intention to remove, the file on the HPI register, I will report the misuse to the Finance and Leasing Association and proceed to take further legal action. I would request that this letter is replied to within the next 14 days. So we'll await the reply! Richard
  6. The reply to the reply to the above email was as follows: Dear Mr Hosgood We are unable to comment further in reference to your email, we can only advise you contact the finance company as previously mentioned in the email. Regards Barbara So a letter has been sent to Black Horse, it will be interesting to see the reponse! Richard
  7. Have done so - and this is their reply: I have spoken to one of our finance team and they have confirmed that Black Horse will not remove the financial interest against the vehicle, even if it is a personal loan. All we can recommend is that you get a letter from Black Horse confirming that the personal loan will not cause a problem with the sale of the vehicle. I dont think this is an acceptable reponse and have replied reaffirming the fact that what they are doing is a misuse of the register - watch this space!
  8. Thats the point - its not a secured loan, nor a HP agreement, so they shouldnt be able register their interest in it!
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