Thread: Are Black Horse in the right?

No it can't be right.

If you complain through normal channels, it will be very time-consuming and very uncertain as to the outcome.

When did this happen?

Was their any PPI on the finance?

Firstly, please start a new thread on this in the appropriate forum. you will get more help and support there.

Please post a link to that thread here.

Secondly, I Black Horse are regulated by the FSA. I would suggest that the first step will be to identify exactly which are the FSA regs to which they are subject.
This won't be easy to find out. They won't want to tell you.
You will be best off trying to do this on the phone - but you must record the calls. It is by recording the calls that you will get evidence of their unwillingness to help and of their general unfairness.

If you can't record the calls, then do everything in writing - but be warned, you will find this a frustrating and longwinded and maybe futile experience.

I suggest that you get a truecall installed before you start work on this.

I am quite sure that if they have sold at an undervalue like this that they have failed in their duty towards you and that you will be able to get your money back or the debt written off.

However, they will resist you all the way.

Because this is going to take so long, I would aslo start a complaint to the fos. You may as well get it underway but I hope that if you put enough work into it, that you will have the evidence you need to cut short the FOS complaint and to go directly to court.

Please start the new thread and we can continue