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.
I have recieved the SAR from Blackhorse and within this i had a letter on the 9th of March 2004 stating I owed £6747.84 then I checked the statement today from Blackhorse and on the 16th of March 2004 I had a credit of £8823.75 on the account and then £4427.48 on the 24th of March 2004 from Blackhorse and then I paid payments of £50 x 45. Not sure where I stand with getting these funds back or the remainder written off as they state i still owe £3900 as of today...? by there calculations the debt was settled on the 16th of March as I only owed £6747.84...? I am willing to take this to court if needby but what the chances of winning this...? If they had put an amount owing of £6474.84 in a letter to me and the above being paid in a week after?
This was for a car that got repossed in 2004 of which I had for 13 months being a young lad at the time I purchased foolishly a £17k car after being extreamly pressured by Carland who even drove me 60 miles to get a card payment for the deposit for the car. The total amount payable on finance was around £31k if i kept the car for 5 years more than the car new!
Anyone who can help this get resolved I would be very grateful, the I have a copy of the Credit Agreement and it has a dealers signature but the in the name it just says Carland i would of thought the dealers name who signed it would of needed to of been on it not just Carland.
Sorry About the long post but I just want to get rid of this ridiculous debt!
Re: Old Black Horse Debt....Possible overcharge..?
I think your first step is to ask for an explanation from Blackhorse. I'll help you draft a letter if you would like me to.
RMW
I am not an expert in law, finance or any related field, I just read a lot. Any advice is based solely on what I've read so please don't take it as gospel without checking it out yourself.
I prefer not to give advice by PM. If you want me to look at something, send me a link to your thread, and if I can help I'll reply on there.
Old Black Horse Debt....Possible overcharge..?
from Blackhorse and within this i had a letter on the 9th of March 2004 stating I owed £6747.84 then I checked the statement today from Blackhorse and on the 16th of March 2004 I had a credit of £8823.75 on the account and then £4427.48 on the 24th of March 2004 from Blackhorse and then I paid payments of £50 x 45. Not sure where I stand with getting these funds back or the remainder written off as they state i still owe £3900 as of today...? by there calculations the debt was settled on the 16th of March as I only owed £6747.84...? I am willing to take this to court if needby but what the chances of winning this...? If they had put an amount owing of £6474.84 in a letter to me and the above being paid in a week after?
Reply With Quote
