Thread: Blackhorse failed to cancel PPI

Hi Gang.

Did a S.A.R - (Subject access request) to find out what details BH had on me relating to two motorcycle finance agreements. Nothing untowards on the second. However, the first had gold PPI cover. I noticed this at the time of the loan (2003) and wrote them a letter asking them to cancel it. Turns out they didn't bother. This is the first letter i wrote them:

Dear Sir/Madam

I have recently re-examined this loan taken out on the 21st June 2003. I attach a copy of the loan agreement (1). This has on it a figure of £582.26 for ‘Creditcare’. This was not requested at the time I took out the loan. On the 3rd July 2003 I wrote to you requesting it to be removed from the account(2). In the pack of information received from you under a Data Protection Act Subject access request is an ‘Agreement modifying a credit agreement’ cancelling the PPI policy(3). I never received this document, and as you can see from the statement you also sent me (4) the amount of the agreement was never reduced from the original £3790.96 to the amended amount of £3208.70. I therefore have paid this amount plus interest to you due to your error.

This was paid from the 21/06/03 to the 10/03/05 when the loan was settled. I have calculated this amount based on 21months at 10.9% APR. The amount I am requesting you return to me therefore is £640. Please repay this amount in full within 14 days otherwise I will commence a claim in the Small Claims court to recover these monies without further correspondence with yourselves.

Today i received this:

Thank you for your letter. I am sorry that you feel the Payment Protection Policy covering your agreement has been mis-sold. It is important that we are made aware of any instance where our customers feel dissatisfied.

As the insurance was sold by ********** and not by us, i have passed a copy of your letter to them and asked that they investigate the issues you have raised and respond directly to you.

I am now going to fax this back:

Thank you for you letter dated 2nd December.
I am not interested in who did or did not sell me the insurance. ******* were acting as your agents were they not? My grievance is not necessarily that I was mis-sold the policy, although I plainly was, hence the letter asking you to cancel it. My grievance is that you did not action this. I am therefore not prepared to wait indefinitely for you and your agents to pass the buck between yourselves. I have already stated I will commence proceedings to recover this money unless you refunded in full in 14 days. This period has lapsed.
Therefore please consider this your notice that unless I am refunded this, in full, within the next seven days, that I will, without further correspondence commence a claim to recover these monies.

Anyone got any comments? am i going about this incorrectly?

Many thanks

Jasper


Similar Threads:

• Blackhorse PPI
• Me -vs- Blackhorse......HELP!
• BlackHorse Help!!!!
• GPM v blackhorse
• Blackhorse