Black Horse HP

[bmw323i]

Hiya

Could anyone please help? I have a few questions regarding HP with Black Horse

My partner has HP with Black Horse and the last payment is due in August. However, a few months ago due to changing jobs he made 2 late payments and has been charged a total of £58.

Black Horse has advised us that this will be payable at the end of the agreement.

As these charges are said to be unlawful, should we pay them or refuse??

Also, I myself have recently taken out Car Finance with Black Horse. Would refusing to pay these charges have any affect on my own agreement?

They are both in separate names but the same address.

Thanks

Emma

[un1boy]

Originally Posted by bmw323i

My partner has HP with Black Horse and the last payment is due in August. However, a few months ago due to changing jobs he made 2 late payments and has been charged a total of £58.

As these charges are said to be unlawful, should we pay them or refuse??

Absolutely calm them back; it's up to you how you do it, personally I would pay them tehn start the calim process like the bank's one. Might be worth calling them first and having a polite convo, explaining that the charges are unlawful as far as you are concerned and ask them if they wil still apply them. Just make them aware taht you will claim them back if they are applied which could involve the repayment of costs and also interest. They might refund them then, it would cost them less!!

Originally Posted by bmw323i

Also, I myself have recently taken out Car Finance with Black Horse. Would refusing to pay these charges have any affect on my own agreement?

As far as I am aware, no they can't! if it was a joint accout they might be able to, but legally your husband's agreement has nothing to do with yours!!

	Are you letting your bank keep your money Are you giving away thousands of pounds?? Many people aren't claiming all of the money they are entitled to when they make their bank charges claims. You have been forced to pay unfair bank charges. Have you forgotten that your bank has charged you inteest on those charges? If you are overdrawn and the bank owes you charges - then your overdraft is made up of charges - money which you bank owes you. Yet you are paying interest to the bank - on your own money!!! Follow this link to see the discussions on this. You might even double th size of your claim.

[Mellie0375]

can you let me know how you got on with BH as am in the same situation!
cheers
mellie0375

[mariejader]

any update on this?