Patricia Pearl - Small Claims Procedure - A Practical Guide


An excellent guide for the layperson in how to use the County Court - a must if you are intending to start a claim.

£19.99 + £1.50 (P&P)



Last Will and Testament Kit


Make a legally valid will without the fuss and expense of a solicitor - includes a full step-by-step guide.

£9.99 + £1.50 (P&P)

BAILIFFS - The Law and Your Rights

Written by John Kruse, one of the leading experts on Bailiff Law, this consumer friendly guide is essential reading for anyone who comes into contact with a bailiff.

The book is easy to understand and clearly explains the rights a bailiff has, and also what they cannot do when collecting debts and repossessing goods etc.

£13.95 + £2.00 (P&P)


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  1. 22nd June 2009 15:54 #1
    run3km run3km is offline
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    Default PPI claim with black horse

    Hi I was wondering if someone can help me.

    I took out a car loan with Black horseltd 3 years ago and was sold the loan and PPIicon by the company that sold me the car (local car dealer) who told me that i had to take it out or i was not likely to get the loan. I was not advised if i was already had insurance cover then i would not need it. I am a policeman and as a result i am well covered via them for insurance.

    The PPI was added in full to my loan at the time of taking out.

    I wrote to black horse ltd to claim for a mis sell who have wrote back stating that cause they did not sell the loan and it was the car company (3rd party broker) that sold it my issue is with them and not black horse.

    Black horse have stated they have sent my complaint to the local car dealer to investigate and they should respone directly.

    can anyone give me advise on how to progress from here.

    thanks in advance

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  2. 22nd June 2009 16:02 #2
    run3km run3km is offline
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    Default mis sold PPI need help

    Hi I was wondering if someone can help me.

    I took out a car loan with Black horseltd 3 years ago and was sold the loan and PPIicon by the company that sold me the car (local car dealer) who told me that i had to take it out or i was not likely to get the loan. I was not advised if i was already had insurance cover then i would not need it. I am a policeman and as a result i am well covered via them for insurance.

    The PPI was added in full to my loan at the time of taking out.

    I wrote to black horse ltd to claim for a mis sell who have wrote back stating that cause they did not sell the loan and it was the car company (3rd party broker) that sold it my issue is with them and not black horse.

    Black horse have stated they have sent my complaint to the local car dealer to investigate and they should respone directly.

    can anyone give me advise on how to progress from here.

    thanks in advance

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  3. 22nd June 2009 17:37 #3
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    Default Re: PPI claim with black horse

    Welcome to the site-will move your thread.

    If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.Private message facilities are offered for users to communicate issues that are/or could be seen to be inappropriate for posting on the main forum.Site rules explain this in more detail.If you are approached by private message with a view to asking you to visit another website,please inform the site team via the report icon.
    Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.
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  4. 22nd June 2009 21:45 #4
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    Default Re: mis sold PPI need help

    Hi I was wondering if someone can help me.

    I took out a car loan with Black horseltd 3 years ago and was sold the loan and PPIicon by the company that sold me the car (local car dealer) who told me that i had to take it out or i was not likely to get the loan. I was not advised if i was already had insurance cover then i would not need it. I am a policeman and as a result i am well covered via them for insurance.

    The PPI was added in full to my loan at the time of taking out.

    I wrote to black horse ltd to claim for a mis sell who have wrote back stating that cause they did not sell the loan and it was the car company (3rd party broker) that sold it my issue is with them and not black horse.

    Black horse have stated they have sent my complaint to the local car dealer to investigate and they should respone directly.

    can anyone give me advise on how to progress from here.

    thanks in advance
    Firstly check out your Consumer Credit Agreement for the purchase of the car. If the cca shows the PPI added and it is an agreement signed by black horse then IMO black horse are the ones to claim from.

    There are many incidents of creditor blaming broker and vice versa and somewhere in the melting pot is the issue of broker payments against what you are being charged. ie you buy a car, car dealer sets up PPI but at the end of the day this all appears on the CCA signed by the creditor. You make a claim for mis-sold PPI they blame the car sales who then blame the broker. Makes yer blood boil. So if your CCA includes a loan total and PPI and is signed by black horse go that route. I would guess you do not have a CCA signed by either the car sales or the broker.

    hope this helps

    aa

    I have no legal training and the advice I offer is a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner.
    ------------------------------------------------
    Bank charge successes:
    Halifax - Full settlement incl interest.
     HSBC - Settlement, goodwill no admission of liability about 75% of claim.
     RBS - Settlement, goodwill no admission of liability about 70% of claim.
    2 ongoing claims for bank charges with HSBC with more to come. (Supreme Court ruling could have upset these claims) They did
    PPI Successes
     PPI 4 settlements on 9 loans. FOS involvement on 7 added on the 8 % Statutory interest another 30% to both.
    2 claims settled in full with LV without FOS involvement.
    2 claims settled in full with HSBC without FOS involvement

    PPI Claims ongoing with:
    Cap one Now with the FOS
    Barclays. Paid up today 24/04/10 cheque received for over £4,500 and in the bank.
    LTSB still have to decide on this as their SAR production was abysmal. Papers data mixed up documents missing etc

     1 Complaint not upheld by FOS they said it was ICO issue. Complaint upheld by ICO. See this..
     Post 290 from
    ***RBS PPI Claim Long fight but, WON***
    Please do not PM me for advice as it may be sometime before I can respond.

    Keep at them. Do not give way and do not accept all they tell you, they will delay and stall for as long as they can to prevent repaying you your mis-sold PPI.
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  5. 22nd June 2009 21:48 #5
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    Default Re: PPI claim with black horse

    I have merged your two threads so keeping track will be easier

    aa

    I have no legal training and the advice I offer is a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner.
    ------------------------------------------------
    Bank charge successes:
    Halifax - Full settlement incl interest.
     HSBC - Settlement, goodwill no admission of liability about 75% of claim.
     RBS - Settlement, goodwill no admission of liability about 70% of claim.
    2 ongoing claims for bank charges with HSBC with more to come. (Supreme Court ruling could have upset these claims) They did
    PPI Successes
     PPI 4 settlements on 9 loans. FOS involvement on 7 added on the 8 % Statutory interest another 30% to both.
    2 claims settled in full with LV without FOS involvement.
    2 claims settled in full with HSBC without FOS involvement

    PPI Claims ongoing with:
    Cap one Now with the FOS
    Barclays. Paid up today 24/04/10 cheque received for over £4,500 and in the bank.
    LTSB still have to decide on this as their SAR production was abysmal. Papers data mixed up documents missing etc

     1 Complaint not upheld by FOS they said it was ICO issue. Complaint upheld by ICO. See this..
     Post 290 from
    ***RBS PPI Claim Long fight but, WON***
    Please do not PM me for advice as it may be sometime before I can respond.

    Keep at them. Do not give way and do not accept all they tell you, they will delay and stall for as long as they can to prevent repaying you your mis-sold PPI.
    Reply With Quote Reply With Quote
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