Black Horse

[stokeybird]

Has anyone had any luck with these, sending my Subject Access Request today as while digging thorough a pile of papers I found one from them that "Late Payment Charge" £100.00 the cheek of it!!

	Subject Access Request A Subject Access Request is a demand which you can make to any organisation to disclose any personal information which they hold on you. The right to disclosure of data is provided by the Data Protection Act. There is no time limit. The organisation is obliged to reveal everything they have about you - which you ask for - as far back as you ask for. There are very few exceptions. It does not matter whether the data is held on microfiche, in an archive, on tape, in a cardex system, in sound recordings or in screen notes. Some companies are saying that they do not have to disclose where it would be difficult to do so - "disproportionate effort". This is untrue. Disproportionate effort refers to something else under the Act. If you are seeking bank charges information then you should ask for "all data held on you" and you should make it clear that you want everything as far back as it goes. Do not be put off by excuses. Do not accept being fobbed off. It is not in your bank's interest to make full disclosure to you. This means that it is in your interests to get it. If you have not started gathering your bank charges information yet, then you should start now. There will soon be a big rush once the OFT test case has been settled. Get all of your bank account informtion as far back as possible. At least as far back as 1995. If your bank says that they don't keep data as far back as this, don't accept it. Be persistent. They've got what you need in some form or other.

[Mrs Charlton]

These are on our 'hit list' of people we shall be claiming against. I will keep an eye to see how you get on wth them. I start maternity leave in September so am keeping Blackhorse and a couple of others til then to keep me busy when off work LOL. Good luck.

	What are your rights at work Follow this link to read the review of the Guide to your Rights at work, published by Lawpack

[stokeybird]

I shall keep you posed! and good luck with the baby!!

[LES VOGEL]

hi i have just sent black horse Data Protection Act letter about 4 accounts i had with them, and also 14 day letter asking for refund of extortinate charges. one of the amounts is 225.00 collect activity fee never heard of a fee like it!!! i will get all my money back dont you worry. this firm used to be called charterhouse trust before lloyds took them over,very high rates of interest-but very loan friendly if you know what i mean. anyway i will post here any up-dates. looking forward to a huge surprise in the Data Protection Act statements. take care fellow claimers!! LES

	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.

[stokeybird]

well they've cashed the cheque so hopefully I should get my charges soon, looking foward to claiming the charges back as they issued a CCJ despite correspondance and calls with them arranging to pay a lower amount to losing my job

[un1boy]

any update on this?

[LES VOGEL]

Hi my update is I have started court action against them- in fact 2 case's one for charges and one for mis-sold PPi, Ive had notice of issue from the court so watch this space, I will of course keep posting info here take care LES

[stokeybird]

no they ignored my Subject Access Request and subsiquent no compliance letter (they banked the cheque though) think i need to take them to court but not totally sure

	Subject Access Request A Subject Access Request is a demand which you can make to any organisation to disclose any personal information which they hold on you. The right to disclosure of data is provided by the Data Protection Act. There is no time limit. The organisation is obliged to reveal everything they have about you - which you ask for - as far back as you ask for. There are very few exceptions. It does not matter whether the data is held on microfiche, in an archive, on tape, in a cardex system, in sound recordings or in screen notes. Some companies are saying that they do not have to disclose where it would be difficult to do so - "disproportionate effort". This is untrue. Disproportionate effort refers to something else under the Act. If you are seeking bank charges information then you should ask for "all data held on you" and you should make it clear that you want everything as far back as it goes. Do not be put off by excuses. Do not accept being fobbed off. It is not in your bank's interest to make full disclosure to you. This means that it is in your interests to get it. If you have not started gathering your bank charges information yet, then you should start now. There will soon be a big rush once the OFT test case has been settled. Get all of your bank account informtion as far back as possible. At least as far back as 1995. If your bank says that they don't keep data as far back as this, don't accept it. Be persistent. They've got what you need in some form or other.

[stokeybird]

Could someone please help me, i need to fill out a court claim for non compliance of my data protection letter, and have no idea what to put as the particulars of the claim and the amount I should charge

[Mellie0375]

hi have read your threads.
Have a hp agreement with BH and my husband has now come out of work!( agreement in his name)
do you think the letter i have received this morning (after several others which i have paid) asking for 410.97 in collection activity charges could be claimed back? is there a template for it?
Mellie0375

[LES VOGEL]

Hi 100% YES- you can claim all of those scandulous collect activity fee's from b/h as i HAVE DONE AND "WON" at county court, waiting for payments from them as we speak, and any other charges they have put onto your account- my question is have you written to them telling them of your new circumstance's-(husband now out of work) because if you had ppi you might be able to claim on it!! but even if you havent you will need to get all your statements out to find out how many fee's they have levied in total against you, once you know the true figure then you can send LBA(letter before action) demanding "all your charges back", and if they dont refund them then you will start county court action against b/h to recover them. I thought c/a/fee was bad at £225 but yours at over £400 is disgraceful. so if you have all your information now, then get the lba off to them asap, making sure you send all letters via recorded delivery 1st class, so you can know they have had your letters, experience tells me with this mob is they try to ignore you for aslong as they can, and its only when you start c/court action that they start listening,which was the case with me, 2 things here is only when you start c/c action thats the time you can add interest onto the amounts, and 2nd thing is if your out of work and claiming income support or various other benefits you could get excemption from the court fee's, so it might not cost you a penny to get your money back,worth looking into for your sake. but it will cost you "time" and effort to get things off the ground!! any other help I can offer then just ask. cheers LES VOGEL

	County Court guidebook by Judge Patricia Pearl Follow this link to read the review of this excellent Small Claims Guidebook. This comprehensive and very accessible guide will take you through the process of suing or defending a claim. This guide will help you take control of your litigation and make you more confident about doing it yourself. Applies to England and Wales

	Small Claims kit by Lawpack Sue your bank as many times as you like with just one Small Claims kit by Lawpack. Follow this link to read the review. The kit contains everything you need: instruction manual, templates, examples, forms and a comprehensive CDRom. Applies to England and Wales

	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.