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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.
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!!
Disclaimer: Anything I write in these forums is my personal opinion and offered without prejudice. If in doubt, please seek independent legal advice.
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Applied Abbey statements -40 day up 24/04/06(arrived 30/06/06)
Prem 04/01/2007 - reply rcvd 22nd Jan advising not paying
LBA 22/01/07
14/02/07 N1 filed @ local court
21/02/07 issued claim
23/02/07 deemed served
25/02/07 Abbey acknowledgement defend in full.
19/03/07 defence + 50% GOGW
13/04/07 AQ final day for submission
30/04/07 DEFENCE STRUCK OUT "ABUSE OF PROCESS"
01/05/07 Judgement order
Black Horse HP
I have a few questions regarding HP with Black Horse
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Originally Posted by bmw323i
