Hi

I have had a personal loan with Black Horse Finance for 4 years. For 18 months of the loan I was ill and it was covered by my insurance.

During that time the payments were often late - not my fault but the insurers. This incurred charges, but I have no idea how much.

When I was well enough to go back to work the insureres stopped paying my loan and it returned to normal payments. I did fall behind and I incurred more charges. Again I do not know how much.

Four weeks ago I got a call from the office and they told me that they were pleased to say that they were now in a position to help me. I could carry on making a payment of £100.00 per month over the next 36 months - this would repair my credit rating and would stop futher action. All I had to do was sign the form and send it back.

The form came through and when I looked at it the balance remaining was £2010.00 But with more charges this would now increase my debt to £3600.

I decided to contact them and tell them that I didn't want to sign a new agreement and increase my debt and asked if I could carry on paying my £100.00 per month. Today I received a letter from them telling me that I had now incurred charges of £415.00 - becuase I had failed to sign the new agreement.

I have repeatedly asked them to tell me how much I owe and justify the charges and they have brushed me of with I will send it later.

I don't know what to do next. If I sign a new agreement I will be stuck with a debt for a further 36 months. Because I won't sign the agreement I have a debt now for £2425. They have me over a barrel. I reckon if I don't sign it I will keep getting these charges until it hits £3600.00

Sent letters to

Capital One

Monument

Citi

Lloyds Tsb

Abbey

Requsting details of Charges.

Send a Data Protection Act request to get a breakdown of whats owed from the original loan and whats charges. The charges are as unenforceable as the banks. Tell them you'll pay off whats actually owed and they can whistle for the rest

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/516-data-protection-act-subject.html

Or if you want you could ask for a copy of the original signed credit agreement. If they can't provide within 12 days then you can get the debt written off. template here

;)

Hi

I recently sent my request for charges against Black Horse Finance to LLoyds TSB Group, Registered Office 25 Gresham Street London. Thinking that this was the head office for Black Horse and Lloyds TSB. They returned the letter and cheque saying that they can't locate the account and ask me to send a 6 digit number and sort code.

Is this the right address or does any one have another contact.

Laineynic

Hi

On the Black Horse website it gives the same London address you've already used, but from the sounds of it they may have mixed up your request with one for bank account (asking for s/c and a/c number) details.

If you go to the information commissioner website:

Information Commissioners - Data Protection Public Register

the address for the Black Horse data controller is:

Might be worth trying this one?

 

Good luck, let me know how you get on as I'll be doing the same once I've sorted out the big boys!

Thanks for that I will give it a try and let you know.

Hi

Can any one help me with the address for Black Horse Finance?

Today I received my 1st letter back in a post office enveolpe saying addresse gone away. Last month they sent me a letter back saying that the bank details were incorrect.

The 2 addresses I have used have been one in Bournemouth and the 25 Gresham street.

If any one has an idea can you let me know

Lainey

LLoyds Tsb LBA letter ready to go £1014.

CITI LBA Letter ready to go £903.61

cAPITAL 1 £450

Monument £660

Abbey - still no response

Black Horse - giving me run around - default notice and charges of £475 applied this week

Address I have been using is:

Ground Floor

Stewards House

St Edwards Court

London Road

Romford

Essex

RM7 9QD

i have had no problems using the following address:

Customer service

Black Horse Ltd

St william house

tressillian terrrace

cardiff

cf10 5bh

Thanks for that I will give them a try.

I sent mine to the Cardiff office as well, and I know they got it because the b***ers cashed my cheque

any update on this?

any update on this?

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