Thread: Black Horse Loan from September 2006

The Backgorund:

Back in November 2006 I approached Black Horse to borrow some money on a fixed term unsecured loan. Not long after I signed the agreement I found myself splitting with my wife and unemployed. This, as you can imagine casued massive uphelavel especially to my finances. I immediately approached BH to discuss the situation but they werent interested in helping me out until I threatened to either go IVA or Bankrupt. This prompted them to accept a reduced payment on the account.

The Current:

I have been paying £20/month using Standing Order until a couple of months ago. Ive not given them a current address but they have found it anyway and immediately sent me a Default Notice. This really annoyed be as I have been sticking to the agreement without missing any of the (reduced) payments. With this I contacted them and asked for a copy of the CCA (see above). I also stopped the SO until the situation gets sorted.

The Future:

Now, having read This Thread it seems that the CCA is by and large OK but for the fact it keeps referring to Page 2. I have requested (informally) the CCA on 2 occasions and on both of these times Page 1 was sent to me within a couple of days. So, what should I do next?

1, Ask Black Horse nicely for a copy of Page 2?
2, Ask Black Horse to supply a complete copy of the CCA (without mentioning Page 2 explicitly)?
3, Submit the formal CCA request letter?
4, Wait for them to pass the file over to an external collection agency and go through the whole merry-go-round with them instead? (Im guessing their collections agency will be less likely to have Page 2 than BH)

In the meantime, if I happened to ressurect the So and started paying the £20 again where does this leave Black Horse with regards to their collections agency or the previous agreement we had in place? At the moment we have no agreement but by them accepting the payment where do we both stand? This of course assumes they dont return the money to me as there is no agreement to pay that amount.

Oh yes, when they sent me the CCA they also sent a copy of the DD form with my signature on and a statement of account with lots of 'COLLECTION ACTIVITY FEE' charges attached. These fees are more than what I am paying so by not paying my debt increases slower it seems.

Help and advice would be gratefully received.

How does this sound?

ACCOUNT IN DISPUTE

Sir or Madam,

Due to recent communications from yourself I have requested a copy of the Consumer Credit Agreement that governs the loan agreement between myself and your organisation. So far I have yet to receive a full copy of the CCA so until or unless you can provide me with a full copy of the Agreement I have no option but to consider this account in dispute. I am sure you are already well aware of what this means so I will not bother to repeat them. Please be aware that I am fully conversant with the legal aspects of the CCA and will not expect you to continue any processing of my account until you have fully complied with my request.




Good enough or should I be a bit nicer?