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Everything posted by ellyjay

  1. A Direct Debit is a method of payment. If you owe the company an amount of money, they will still claim from the account details you gave them at the time of the agreement.
  2. If it says you cant go overdrawn it means just that, but its down to you to make sure it doesnt happen!!
  3. Saturday and sunday are not working days, therefore the company claiming the Direct Debit put it in place on the Friday.(Monday starts at one minute past midnight) This means the money to pay the Direct Debit should be in the Bank ready. It will show as going out of the account over the weekend so the money cant be spent, this will avoid an unpaids fee.
  4. The saga goes on. Black Horse have now sent 2 more letters, one to say we are in default and need to get legal advise and another thanking us for asking for an early redemption figure (we havent!) !! On the second letter it states the figure due to close the account is NIL and should be paid within 14 days!! After another lengthy phonecall to them, they are now insisting they have returned the money paid by #We buy any car# (they havent) and WE have to get it back and they also say they have returned the direct debit money to the Bank (they havent) We have it in writing from the Bank that
  5. P.S. I anyone is thinking of using Webuyanycar, go ahead, They are very good, the transaction went smoothly, and we would have no problem reccommending them to anyone looking to sell their car privately.
  6. Thank you ao much for your replies, especially Jeremy. We didnt seem to be getting anywhere, and Black Horse seem to have no idea why they sent the money back! They said its up to us to sort it out! Will let you know of the outcome. Thanks again
  7. Hubby bought a car using Black Horse finance on a deal where after 3 years either the car goes back and remaining finance is paid back using gap insurance, you have the option to buy the car outright either with finance or cash or sell the car private and pay off remaining finance. Black Horse should send out details of what to do near the time of repayment. Details was not sent but a direct debit for the full amount owed was claimed from the Bank account which was £5550. The money was not in the bank but the Bank allowed it to be paid! It was claimed back throught the indemnity, Black Ho
  8. As you can see, my last post when I last head from these people, was last October, but today mI have had a lovely little note saying I am going to have a 'potential hime vist' That should be interesting!! Anyone else had a home vist from ARuk?
  9. I too have recieved another letter from them today, stating they will put a charge on my house, make me go to Crown court and answer to a Judge. The debt they are asking for does not exist. When Northern Rock sold my house the shortfall was covered by endowments. I received a letter from their Solicitor stating the balances and surprisingly enough there was nothing left after fees etc had been taken out but the outstanding debt to NR was cleared. Untill this debt was cleared i could not be dissacociated from my ex husband, so once this debt had been removed from my credit file, i was given
  10. Could need to know before hand as the dispute involves Northern Rock and the letter is one sent by their solicotors, dont want them to be biased.
  11. I need to get a copy of a letter sent to me during 2002, will this be possible?
  12. Like many of you im also having problems with them. It started a year ago when out of the blue a letter arrived from them saying they had bought a debt from the Northern rock and was assigned to recover said debt from me. I have no dsuch debt! When i diivorced my husband and had to find rented accomodation he kept on the house but unknown to me stopped paying the mortgage. 6 months down the line when my Solicitor tried to sort out our finances we found out what was happening. Northern Rock was very helpfull and between us (not hubby) managed to get the house reposessed, and sold. There
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