blackhorse didnt cancelle our ppi!

[minnimes]

in 2006 we took out a loan, it was taking over an old loan as well as borrowing additional money, my husband was off work at the time due to an accident, at the time we thought this would be short term however on further investigation we found out he was going to be off indeffinantly, blackhorse knew about him being off at the time of the loan, they also only suggested ppi added in a lump sum to the balance of the loan, anyway on finding out about my husbands long term work prospects we called to cancelle the ppi, we had only had it for a very short time. however the staff at blackhorse were sure we could still claim as it was running on from another loan. they "investigated " this for afew months and came back to us saying we could not claim, again my husband told them to cancelle the ppi, which he was told was done. 2 days ago we got a letter off them, it stated we are still paying ppi! we have never had any indication ppi was still applied to the loan, it was never mentioned in other letters. i rang them yestoday and was told theyd look into it and would call me back today at 12. well obviosly they didnt call so i called them they have looked into it and decided they have no record of the cancellation, i asked him why would we keep ppi when we cant claim on it? he said he can see my point and told me to make a complaint. did they missell us ppi? im sure they did.

[minnimes]

can any one give me any advice on this?

[pompeyfaith]

Indeed they did but do NOT cancel it as you will only get a % back the way to go is if you have all the figures and the payments to this loan already send in a complaint letter asking for it all back including the some owed.

If you do not have all the figures send them a S.A.R letter this will disclose to you all the info you require

http://www.consumeractiongroup.co.uk...s-request.html

Template letter link above just adapt to suit your needs and send of recorded delivery and get a receipt of postage so you have a paper trail and evidence if you need it later on.

Regards

Leon

[pompeyfaith]

oh one more thing was there PPI on the old loan and did your hubby have a previous medical condition then also if so get the paperwork for that loan too.

If you need anymore help just ask away ill monitor this thread.

Regards

Leon

[minnimes]

he did have a medical condition when he took out the second loan the accident happened about a month before he took out the new loan, and yes he did have ppi, at the time we thought he'd only be off short term but his prob has now been diagnosed as life long, black horse where aware of his accident but put the loan through as my hubby was still technicaly employed. ive asked them for a statement with a break down of what is what, they have never sent us one in the two yrs weve had the loan and this is the first time we have been told we have ppi, we cant cancelle it now any way they wont do it. thanks for the reply,

[minnimes]

bump

[minnimes]

right ive sent a letter (recorded of course) to blackhorse requesting a refund of the ppi stating that it was mis sold due to a pre excisting medical condition not informing us that we could pay for ppi monthy instead of adding it to the balance for a yrs cover and aslo not giving us the option to seek ppi else where. since we are on an arrangment with blackhorse they have stopped intrest , will this effect our claim for the ppi? what responce do you think im likely to get from them?

[pompeyfaith]

Hiya Minnimes,

The fact that you have an arrangement set up with black horse will not make any difference at all and will not affect your PPI claim.

As for what kind of response will you get all i can say is they will try it on in the first letter, But you are in the right so do not give up keep at them.

Good Luck

Regards

Leon

[minnimes]

thank you , will keep you posted

[minnimes]

just wondered how long i should wait for a responce? stupidly i didnt state it in my letter, is 14 acceptable?

[pompeyfaith]

if this was a complaint letter you sent 14 days (calendar) is enough.

If you sent them a subject access request using your right under the data protection act 1998 to get hold of all the documents they hold on you the statutory time scale for a reply is 40 days as they have to carry out a search.

Regards

Leon

	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.

[minnimes]

just a complaint letter, for now. do i need to send for an Subject Access Request? i know the cost of the ppi was £2600 and i dont think we had any charges. what is it for? sorry to ask stupid questions but i really dont know what im doing. thanks

	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.

[pompeyfaith]

I think you should send off an S.A.R for all doucuments relating to this loan as then you will be in a better position.

The claim will be for more than £2600 my dear as they have charged you interest on that £2600 as it was paid upfront hence why you need to send off an S.A.R.

The link to the S.A.R is in my first post to you.

Do you still have the credit agreement because i can work out the interest they charged you from that.

Regards

Leon

	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.

[minnimes]

just got a detailed statment off them this morning, its from the start of the loan and details all charges,payments etc. im going to set up my printer later and scan it to see what you think. i told them over the phone i would be applying for an Subject Access Request last week and they said they'd send it out,id be suprized if it is ansra but i dont know what im looking at.

	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.

[pompeyfaith]

Ok Minnimes,

If you have a scanner scan the document to file save it in my Documents maybe a good idea to create a file called blackhorse PPI then it will be easy to find and you can save all documents relating to in there.

Now go to Image hosting, free photo sharing & video sharing at Photobucket and create a free account once you have done this browse to the file you saved and upload it to photobucket when it has uploaded you will see a link to this file just copy and paste it into your thread on here.

Remember to write down your username and password for photobucket just incase you forget it i have done before now lol.

Once you have uploaded the link i will take a look and give you further instuction.

Regards

Leon

[minnimes]

http://i374.photobucket.com/albums/o...s/img001-1.jpg
http://i374.photobucket.com/albums/o...mes/img002.jpg


ok attached copies of statments recieved this morning.
not sure about a credit agreement will have to have a look for one. thanks for all your help, really greatful

[pompeyfaith]

Hiya Minnimes,

Ive had a look at these statements but it does not say a lot at the moment although there are a load of fees on there that can be reclaimed.

We really need a copy of the agreement which should say how much exactly the PPI premium was and the APR interest rate charged on this PPI which is what we need to work out exactly what you are owed.

I see you got the hang of photobucket OK if you find a copy of the agreement upload it to photobucket and put the link on here.

When you send your complaint letter in to blackhorse the figures have to be correct otherwise they will not take you or your letter seriously.

If you cannot find the agreement the only way as Ive said before is the S.A.R route to get a copy which by law they have to provide but if you can find a copy all the better as it saves a lot of time.

Regards

Leon

	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.

[minnimes]

im not sure if there are any charges to re claim, cause every so often they re funded some. will look a credit agreement tonight and if i find it i'll post it up, otherwise i might have to cca blackhorse for the information. as for photobucket wasnt to bad except when i posted it kept putting an un edited version on with my details, drove me mad and took me ages to sort but got there in the end. thanks again for all your help.

[pompeyfaith]

Yes sorry i forgot you can use the photobucket paintbrush to hide personal details.

Yup i did notice some of the charges where refunded.

If you send a cca request that only takes two weeks or should i say they have to respond in 14 days.

Regards

Leon

[minnimes]

right, this morning i rang blackhorse as id still had no confirmation of them recieving my complaint, they have got it and apparently have posted a letter in responce, i cant find any credit agreement , have torn the house apart looking so asked them what rate the loan is on, i was told they cant give me this information over the phone so they are going to send me a copy of my agreement, i didnt even have to cca them so they must have it, i'll scan it as soon as it gets here if you wouldnt mind taking a look at it for me, thanks in advance,