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.

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  1. #1
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    Default Black Horse Car Finance Charges

    Hi, I had a car on finance with black horse that was recently voluntarily terminated. When I first phoned to enquire about doing this I was told there would be nothing to pay.
    Now after the car has been sold they are saying I still owe them 200. I know its not a lot but its more the principal that is annoying me.
    I've have asked for a full statement, which they have supplied. There were quite a few late payments, for which thay have added a 25 charge each time. Is there anything I can do about this? I was quite happy just to let the car go and let that be the end of it. There was no PPIicon so far as I can see and the account was not in arrears at the time of termination.

    Thanks for any advice.


  2. #2
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    Default Re: Black Horse Car Finance Charges

    And as if by magic with this mornings post comes a letter from a debt collectionicon agency they have already passed it on to.
    Any ideas how I should proceed?


  3. #3
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    Default Re: Black Horse Car Finance Charges

    Hi

    You can claim those charges back...have a look at the notes in my signatureicon about charges reclaims.

    Who is the DCAicon....I would reckon they have been appointed to collect rather than having been assigned the debt. If they are just acting for BH then ignore them

    ims


  4. #4
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    Default Re: Black Horse Car Finance Charges

    Contact the debt collectionicon agency and tell them that as you are disputing the amount they need to pass it back to Black Horse.


  5. #5
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    Default Re: Black Horse Car Finance Charges

    Quote Originally Posted by ims21 View Post
    Hi

    You can claim those charges back...have a look at the notes in my signatureicon about charges reclaims.

    Who is the DCAicon....I would reckon they have been appointed to collect rather than having been assigned the debt. If they are just acting for BH then ignore them

    ims
    Thanks for the reply. The dca is Nationwideicon Collection Services, in Edinburgh, which seems a bit odd if BH are in cardiff. The letter states 'Your agreement with BH has been referred to us for collection...'
    I can't actually see a signature on your post, probably just me being a bit thick


  6. #6
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    Default Re: Black Horse Car Finance Charges

    Oh dear

    The sigs are not showing in this thread for some reason....hang on I'll get them for you

    BRB


  7. #7
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    Default Re: Black Horse Car Finance Charges

    Here you go

    3. Reclaim Loan & Credit Card Charges Read Here
    4. The CAGicon interesticon Tutorial Read Here



  8. #8
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    Default Re: Black Horse Car Finance Charges

    Brilliant, thanks very much. With regard to the DCAicon, do I just write to them and tell them the account is in disputeicon, will that be enough to put them off for a while?


  9. #9
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    Default Re: Black Horse Car Finance Charges

    I'd ignore the DCAicon

    They won't go near a court if the debt is made up solely of charges.


  10. #10
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    Default Re: Black Horse Car Finance Charges

    Thanks for all that.
    I sent a letter last week asking for the charges to be refunded, and stated quite clearly that I do not believe the amount of the charge is fair in the actual cost to them for a late payment. I got back what I guess is a standard letter saying they don't uphold my complaint as the charges were for paying late and they are in the terms of the agreement, and I was welcome to take it up with the Ombudsmanicon. No where in their letter do they attempt to justifiy or explain the amount of the charge.
    What should my next move be?


  11. #11
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    Default Re: Black Horse Car Finance Charges

    Hi

    Ok so that was your preliminary letter so the next step is a 7 or 14 day lba....pretty much the same as your prelim but headed "letter before actionicon" and with a final paragraph that of they don't refund you then you will issue in court without further notice.

    Make sure you do a spreadsheet of the amount you are claiming and attach it to the letter...here is the relevant sheet

    CISheet v101.xls

    Having read up on the interesticon tutorial you need to decide what interest you are going to apply

    ims


  12. #12
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    Default Re: Black Horse Car Finance Charges

    OK, got a letter back offering to refund me 175, which considering the full total is over 600, I find pretty insulting.
    What do I do next? Is it worth sending them a counter offer of about 400 to settle? Or should I write back to them at all and just issue court papers?
    Thanks again for the advice already recieved.


  13. #13
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    Default Re: Black Horse Car Finance Charges

    OK so their response was to your preliminary letter or lbaicon?


  14. #14
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    Default Re: Black Horse Car Finance Charges

    Sorry, that was the response to the lbaicon, after they completely rebuffed my preliminary letter.


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    Default Re: Black Horse Car Finance Charges

    Hi

    OK thanks

    So the next step would be issue in court if you want to get all of the charges and interesticon back.

    If you haven't already done so, I would start reading up on court claims to get these charges back

    ims


  16. #16
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    Default Re: Black Horse Car Finance Charges

    I am experiencing a similar problem. I see now why my account has gone from BH to Nationwideicon and now BH again. They are chasing me for 5000 , which is just interesticon and charges. The vehicle, a motorhome was repossed within the first two years of the ten year loan ( which is now), I have paid the cost of the vehicle plus interest and yet they still want this 5k I am retired now, and my partner has made me realise what a disgrace the whole agreement is, but I just want to end it now. I am retired and feel they have had enough out of a debt that wasn t really mine in the first place.
    The Financial Ombudsmanicon could n t help, although sympathetic they said it was unregulated, CAB managed to get them to freeze some charges, ( that later crept back) and solicitors just don t want to know. So reading here to see what course of action I can take to end it all and live in peace of their phone and letter messages. They threaten my credit rating and extra charges, but its not listed on my credit profile, and they admit that since the repossession they do not record anything.



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