Reclaiming PPI from Black Horse - what now?

[wildkard]

Hello all,

I have just started reclaiming over £10k in PPI from Black Horse. I was 100% defintiely mis sold - the agent point blank told me that I would not get the loan if I didn't have PPI, she did not tell me that I could get it elsewhere, and she only gave me the option of taking out a further loan to cover the PPI (rather than making monthly payments, which would have been cheaper). Also, although I don't know if this is relevant, the Loan and PPI agreement was one single piece of paper with one signature to authorise the whole "deal".

I have sent a letter to BH asking for the money back and haev outlined the reasons listed above. They have now got back to me, basically saying "tough luck, you signed, you agreed to it, you're not getting it back". Obviously there is no way on earth I would've agreed to taking out £10k of PPI if they hadn't made it very clear that I would be refused the loan should I not!

I have had a look on the forum here and cannot see what my next step should be - can anyone help please?

Thanks

[debt_mountain]

Have you done an S.A.R - (Subject Access Request) on them to get everything they hold on you, this will supply all notes phone calls etc.

I used one in hellhas nofury's thread.

I will try to find it.

[wildkard]

Originally Posted by debt_mountain

Have you done an S.A.R - (Subject Access Request) on them to get everything they hold on you, this will supply all notes phone calls etc.

I used one in hellhas nofury's thread.

I will try to find it.

There were almost no phone calls or letters. I applied for a loan online, they called me and asked me to come to their office, when I was there a sales person went through the loan and sold it to me. I was told, amongst other things, point blank that I needed PPI to get the loan. I have a copy of the loan agreement, not sure there is anything else.

[hellhasnofury]

Full S.A.R - (Subject Access Request) for ppi

[hellhasnofury]

Originally Posted by wildkard

There were almost no phone calls or letters. I applied for a loan online, they called me and asked me to come to their office, when I was there a sales person went through the loan and sold it to me. I was told, amongst other things, point blank that I needed PPI to get the loan. I have a copy of the loan agreement, not sure there is anything else.

Can you post up your credit agreement on the thread, removing all personal data of course.

Did you receive the policy for the ppi and the terms and conditions????

[wildkard]

Hi,

Thanks for the responses.

I can scan and post the agreement on Monday (don't have it on me today). I guess I must've received some T&Cs for the loan, but I don't recall to be honest.

The letter that they sent me sounds like a standard letter, basically saying that it's their word against mine as I have no documentary evidence that I was mis-sold - of course I don't, the sales person was hardly likely to document it was she!?

I will complete a full S.A.R - (Subject Access Request) and see what they send me, but until that has been sent I will post my agreement on Monday.

Thanks again.

[loukim]

Have you reported this to the FOS ?