Hi everyone... hope you dont mind me butting in I need some HELP with Black Horse Secured Loan. We had had a re -moergage on our property and everything was more or less set up just needed signing...Black Hose were detering from forwarding the Deed of Posponent to release the funds this they did as there were arrears on the account. But we were prepared to meet their demand of bringin all the arrear up to date from the re-mortgage AND further more to give them all the balance of the monies left over as payments in advance ALSO the re-mortgage Company were ready prepared to look further in giving us a further advance at the end of this year to clear them off for good. I wrote a harsh letter to Black Horse with my concerns and blamed them 99% for the re-possession of our Home. Friday last week a Tony Blackburn telephoned us after receiving our letter stating that they were not to blame and that our Solicitor had informed him that the morgtage was not to continue because the Council were demanding the 1st charge, this is not true and our Solicitors know this. I was asked for the person that we had delt with in getting the mortgage to telephone him today which he did, again a phone call to state that they were not in fawult and that it was our Solicitors fault that the Home was re-possesed as he did not relate to them the information that they required at the time and again stated that the mortgage has not been successful. I requested Tony Blackburn to put these issues in writing to me so that I have somethinfg in bl;ack and wgite to take to our Solicitors to sort this out. Blaci Horse REFUSES to put our conversation in writing to us. Can they do this? and I still say that they are responsible for the re-possession ... I was told that it was in their polcy to withhold the deed of postponent if thew account was in arrears...but all these were to be bought up to dat AND payments in advance of about 6 months hopfully by the end of this time the whole amount cleared. What are we to do? what is our Rights

Hi. This is BRILLIANT ....BUT....will it work??....and similar to myself with our Bank.. they have taken nearly all our Benefits that are payed into this account directly as charges.....can I claim this back with a little amendment to your letter......They have left us with nothing and not even paying d/d with the monies ther for them but instead has taken it for their charges. I have written to the DIRECTOR of the Bank and have relayed my concerns over the telephone but nothing has happened..YET.. and I am going back some weeks now..havew sent a Thread about this,previously. Thanks for any info

Hi Thanks for the info I will try and get in tough with this person to see what he has to say... will let you know of the outcome. Have you written a letter to the H/O/ to request the charges be refunded. I did threaten them in the letter. But I have also sent a letter to the Alliance and Leicester and also sent an e-mail to the Executuve but as yet have had no replies. will give another week and then send the claim request form on the site. Speak to you soon

Hi everyone Can anyone give me some advise regarding this Bank... On the onset they opened a flex account for me that was not suitable and was not what I wanted, consequently charges and interests were added on and they would not upgrade this Basic account for me. I wrote to the head office and requested that the charges and interests be re credited into the account as this was the only way that over the limit outstanding, amounting to 410.00. This they did!!!but then they decided to add 20,00 onto the account for over the limit charge. This account is not in use and I have no intention of using it and this has been relayed to the Head Office, I have also requested that this account now be closed. Today I received a letter from Chris Smith Customer Service Administration Branch Service Centre informing me that their policy is to refund charges to the first charge whatever this means and "It is therfore the customers responsibilities if any further charges ar incurred. Due to the previous charges being refunded on the 25th Jan 06 I am unable to grant your request". I do not know what this gentleman means by further charges incurred by myself as I do not operate this account and the other charges have been added on since the refund. I requested for this account to be closed at the same time as the refund request but obviously this is being denied. I want this a/c closed and the 20.00 that they themselves have added on removed. How do I go about this , as if nothing is done they they will only too readily start added further charges and interest on this amount which will soon be much more. HELP. Thanks

Hi everyone Can anybody give me some advise as we feel that our hands are tied and that it is only right and proper that these Companies should do what they are/have done. In order to put every one in a clear picture I'm afraid I shall have to start from the beginning..... even though this is all very distressing and difficult for me and all my immediate Family,,,but here goes.... Firstly my Husband was made redundant and we did have an Insurance with Halifax to cover not only the mortgage but also his credit card with them. His application for cover was declined and the reason given was that he had not been with the same employer for over 6 months, I was not working due to ill health at the time and I was informed only then that I was not even on the policy...something new to me? anyway to cut the story short we ended up 6 months in arrears with the mortgage payments on top of this they added their charges and costs for letters etc. My husband was fortunate in getting a contract job for a while but with the low pay that he received we asked the Halifax if we could pay only the Interest...we were declined and told just to put what we could into the account....this went to more arrears and charges,and we just could not keep on top of things, Out secured loan with Black Horse turned out exactly the same and their secured loan jumped from 15,000 to 20,000+ now. All this resulted in Halifax re-possessing our Home even though we had been fortunate after trial and error to find a re-mortgage and everything was going through up to the point that all that was needed was for Black Horse to forward the Deed of Posponent....they refused on the grounds that the account was in arrears. They made pathetic demands for us to meet up to the last hour and even the re-mortgage Company contacted them themselves as they were totally disgusted with their attitude and lack of help in our case. Black Horse required 1. all the arrears be bought up to date immediately, we did not have this amount so therfore it was agreed they would take it from the re-mortgage monies....that was ok, even though it left us with very little, then 2, that was not good enough on top of that they required all tha balance of monies from the re-mortgage as a downpayment on the account..that we felt was unfair as the arrears were going to be up to date, and if we had to give them all the money that was left it would not cover essential adaptions to the property that we had to carry out due to my disabilities...that did not matter. 3, furthermore they requested payments from the re-mortgage Company to pay them for forwarding the Deed of Posponent, they were prepared to do this on our behalf, but this would mean that our repayments would be increased, consequently we ran out of time and Black Horse won together with Halifax at the end of the day. We lost our Home . We asked Halifax if we could put the Home on the market ourselves to try and get a better asking price as the prices of properties on the estate vary from 130,000 to 139,000, and in the meantime we had had the home valued for selling purpose for 135.750, which would mean that this would clear Halifax and the Black Horse and prehaps we would be lucky in getting 2000 out of it. Halifax delined and refused us to put it on the market. They have put in on the market through a local Estate Agent for 112.950. This means that there will prehaps be just enough to clear themselve we dont know as they are charging over 16.00 a day interest on us whilst it is on the market plus charges and costs, It seems that there will be nothing for Black Horse at the end of the sale. but really it is their own fault as they refused to forward the Deed of Posponent even though their demands were to be met and on top of all that the re-mortgage Company were going to give us a further advance at the end of this year to clear Black Horse altogether. I have written to Black Horse to ask them what are they prepared to do as means of Compensation to us as it their doing that has resulted in the re-possession of our Home and at the end of the day there will be no equity left to repay their high interest loan at all. I have not received a reply, neither have we received a reply from Halifax to ask why all the refusals and why put the Home on the market for so little. Can anyone advise us of our Rights in this disturbing matter or havent we got any, are we suppose to just sit and let all this happen around us......heartbroken abd stressed out. Sorry for the long story

Hi everyone..... I wonder if there is anyone who can help our Son with the trouble he is having after his car has been returned from the Garage. It originally was to have the Engine Cylinder Head skimmed as it was noisy. He telephoned the owner beforehand and received a verbal estimate of the work to be done of around 250.00. This was accepted and the car went there. During this time the owner was admitted to the Hospital for an op that he was waiting for and the work was carried out by another employee. He telephoned several times to see how the car was getting on and it was in the garage for a few weeks more than he had thought. The car was collected but it did not run properly . but it was revealed that there were some bolts missing from the block, and it was leaking oil. On top of this our Son had a bill of over 1000.00, and he was informed that the employee that had worked on it is not qualified and has no certs, as the owner of the Garage is well aware , as far as we know by word of mouth. He has informed the owner of the findings and dissatisfaction of the works and all he said was that he would knock a 100 off the bill and for him to take the car back. The following day the engine seized up and it is now stored in another garage awaiting for an engine that is to cost him over 400.00 together with the fitting of this of 250.00. The other Garage owner has informed him that he will take him to the small courts if he does not pay and that the employee( who has a reputation) was supervised by another whilst he was working on the car. We do not understand why, if this is so the car came from there with bolts missing and loosing oil. Our Son took the car to be tested and he was informed that it was very doubtful if the cambelt was replaced and new seals applied at the time as this would of had been essential if any work has been carried out on the engine. Can anyone tell us the best way for him to go about this, as if nothing can be done the whole amount that he will have to pay out is amounting to £1,650, instead of the original estimate of 250, and then there is VAT on top of this. Many Thanks

Hello everybody. I am new to this but have tried to send previous messages but it seems that they did not go through. Can someone HELP me and my Husband to get the ripping off Bank Charges returned from this xxxxxxx Bank? My husband opened a current account with these but instead of openieng a proper and worthwhile one if there is such an account, they opened a School Pupil a/c for him where it means that we cannot get a cheques book. overdraft facilities. They stated that he had to be with this account for a min of 6 months before he can upgrade and he has requested for this accout to be change several times as it is not suitable. The Bank is refusing to do this and now we understand why. It appears that they prefer to debit the account with Bank charges of between £30-60 each time than pay any standing orders that we may have and these only being a couple. which does not make sense. At the present all we have going into this account is our Income support and Care Allownce that my husband receives on my behalf. This bank is xxxxxxx our Benefits nearly every 2 weeks or so and leaves us with nothing to live on. I have written to the Head Office a week ago and up to today's date have been totally ignored and a further £60 taken from our a/c today as charges. I informed them in the letter that the a/c was unsatisfactory and that they have refused to change this to another, I also informed them of the benefits that was being credited into the account on a weekly basis and that they were stealing our Goverment Benefit that is stated that one must have to live on. I also requested that all the charges deducted form, the first day be returned to the a/c and credited This amount to some several £100. As I have not received any reply and when telephoning my Husband gets a sarcastic reply with no result. Is there anything we can do to get all these charges returned. We have today contacted the Income Support Dept and the Carers Dept to ask them to forward us giros until we can sort another acc ount up and we have explaind to them why this is They are all disgusted with the way they are taking our Benefits that we are rightly entitled to........Many thanks for any info Moderated - please do not use language that could be libelous

Hi everyone I have just registered, joining the crew on the boat!!!!. We are having difficulties witha number of Companies the first one being Nationwide. We opened a Flex a/c over the internet and requested all the usual availabilities e.g. cheque book, card etc but as we were new Customers the opened a Card Cash a/c for us instead. We informd them at different Branches and Head Office that this was not the a/c that was requested and that it is totally unsuitable for our needs, this a/c is more for a School kid who wants to put pocket money in and not for the every day essentials for the working person. nationwide refused to change the a/c for us until this had been in force for at least 6 months during this time the wages was being credited into it but standing orders and D/D were not been payed as we knew they would not due to the a/c with no cheqes, o/draft etc. Instead the bank preferd to decline all these for us and charge us for every one . We went to a local branch to again state that this a/c was NOT what we wanted and infgormed them to close it, they refused, stating that we owerd over £400.00 in charges, and until such a time that all this had been repayed the account would remain open to incure more charges on the already charges on the a/c. My Carers Allowence went into this a/c and I had a job to get it out as theyn had intended to take it all towards th charges. I did luckily get it out but had to leave £25.00 of it towards the charges and promise that I would pay in £25.00 every month towards the Balance owing on this a/c. Is there anything I can do to get these charges off, get my £25.00 back as this is nothing more than a rip off. Thanks