they have now so far provided us 3 different copies, 2 of version 23 and 1 of version 19 but all the signatures are different and she only signed one

they have not got back to her yet, as i said b4 they have again only sent now the front page and you know that this is not on, they are now not even sending the back page so it would apprear they have a problem. because i now have 3 different copies and different signatures i am thinking of send the fso these, what do u think

dotty i sent you a pm

hi Dotty, yes thanks i know that ,,, i thought i would just say i know see the differance in the agreements,,,but it does make me wonder if the staff at black horse do?? and if they do know they are attempting to miss lead us and probley others as well

hi Dotty 50 just looking through the blackhorse threads and i came along this one and i saw the the HP agreement from black horse and this is partly different to ours.....i have copied the thread below.... i am still getting the signatures out.. the thread is under black horse car finance SHELBELLE posted 051009 page 7 125 5th October 2009, 11:12 #125 (permalink) SHELBELLE Basic Account Holder Your bank owes you an awful lot more money than you realise See here Cagger since : May 2008 I am in: THE GARDEN OF ENGLAND Posts: 826 Re: Black Horse Car Finance Hi Andy Ok attached what they sent below. A couple of things I am wondering about are : ~ 1. The agreement and t&c's are really hard to read for me so you will probably have trouble. If you need clarity on the figures or anything please let me know. There is a section about repossession of the vehicle, although mine was a voluntary hand back, I am interested to know why they are going for 1/2 the regulated agreement as I cannot see any reference to it, although I may be wrong as so hard to read. 2. They funnily enough have not included the TN this time, is this relevant? I certainly requested it and received it prior to the court action. 3. Think I need extra help on the figures and amounts claimed as believe they may have added interest to the acceptance fee and or the collection fee of the vehicle but am unsure on how to work it out correctly. 4. I know there are issues with amounts claimed after termination, I was under the impression that once terminated they could only claim arrears up to that point?? They also included a copy of the claim form and a letter stating find enclosed copy of the agreement with t&c's, copy of DN providing confirmation of the termination of the agreement and POC. I can't understand why they haven't included the TN as they do have one as I have a copy. Also no POC included this time only the claim form???? Look forward to your comments. thanks S.B. Attached FilesBH HP PG1 05.10.09.PDF (1.06 MB, 6 views)BH HP T & C 05.10.09.PDF (1.21 MB, 2 views)BH DN PG 1 05.10.09.PDF (1.03 MB, 3 views)BH DN PG 2 05.10.09.PDF (638.6 KB, 4 views)BH SUPPLEMENTARY NOTICE 05.10.09.PDF (936.3 KB, 3 views)

hi dotty, thank you very much for this, it is a great help. like you say i think it is that they are trying to confuse. thank you

i will be digging tomorrow, thank you i will be back asap

hi Dotty50, this is getting more interesting, i have now looked at the copies of the agreements that they have sent me and it seems that there are 2 agreements, 1 has version 023 on it and the other 019. now i have seen this i will check all the copies i have from them to see if the signatures are the same

many thanks Pinky69, like i have said b4 all the others i have asked including the cab can not answer this one for me, and it is strange that i have yet to find anyone else who has seen or heard of this agreement they refer to in there letter. i will have a call around tomorrow again, thanks again

sorry what i forgot to add was when we asked could we sell the car there were 2 different answers, 1 black horse people said no it was theres and 2 black horse solicitor said it was my daughters...and to this day no one i have spoken with can give me the 100% certian answer of WHO OWNS THIS CAR..

no please dont get this wrong, we have already asked 9 months ago can we sell the car, and then sort out the differance. the problem always has been 3 things 1 they kept on saying that we could not sell it because its thiers 2 if the car was my daughters and she sold it (and it did turn out to be black horse she would be commiting a criminal offence) 3 if i sold it beleving it was mine and it turned and it turned out to be black horses then i would be comiting the criminal act. we just need to know who the car does belong to either me or my daughter so that when it is sold it is sold by that person. the log book shows my name on it. please do you understand the position.

yeh it looks like the tyre, gapand ppi were taken out inhouse so the llads could make there xmas bounis.. so if it is the case my daughter gave me thr car on the day she bought it for mr and it has been reg inmy name ever since the car is mine, and because i know she has no monine to pay it they will have to have what she can afford to pay as they therefore can not get my car,, is that correct?

the ppi was paid for the first 2 years directly to axa as it was pengragons policy so we are traying to get the money of pendragon, they so far have not responded about the tyre insurance and the gap insurance but they will as i wont give up.........attached below is the letter from black hores where they can not make there mind up if they own the car or they dont.....i dont think they can have it both ways unless they are hoping the my daughter has not sold the car so they are going to get some attachment on it.. bill

hi, the agreement was taken out on the 1st dec 2006. they have only ever sent us these 2 pages and every month they keep on sending my daughter a new photocopied 2 page agreement for her to refinace this over five years which we keep refusing to sign. on page one of the agreement you have it says 'other financial information' as the heading, it then says goods and below that used and we have for security removed the car deatils from the agreement, but in the original they have put there the cars make, reg number and vin numnber...will this make a differance to the agreement, i would not think it would but you never know. with regards to the payment protection insurance PPI this was taken out with the garage directly and also they put on GAP insurance and floged her a tyre safe gaurd policy for £200 as well and from what i am told she was lead to belive these were all needed to get the loan for the car,(however we can not prove that, i think they tied her up like a kipper) is there anything else i can help with? thank you

ok try this page 2

if i add stuff through photbucket does that then not alow you to look at the other stuff i save as well???

what is photobucket?

hi this is the agreement attached, there is only 2 pages that they have sent, and no matter how many times we ask they will only send page 1 or page2 or both and are trying to say this is it. i hope this helps

hi, regarding the £205 payments,well i have been paying this, and regarding the car company the car was purchased from the garage and there is no car company involved only blabckhorse who have said that they have an interest in the car but do not hold legal title to it however they say they can apply to the curts to get it back. i will also scan this letter in as well. Black horses solicitors were the ones that told me this was a personal loan. i dont think they even know what type of agreement it is?

thanks Pinky69 i will get it scaned on for you, we have been told by every one including their solicitors its a ersional loan, and if that the cas seeing as she gave me the car 3 years ago then the car is mine as its been registered in my name all along. i know my daughter will have to pay the loan of eventuly or go bust because of other things he ex has left her with, but i belive that the car is mine, they can if they want go to court to try to take my car off me because it was baught with her money she borrowed, but i wonder how well that will hold up in court....what do you think???

thanks Pinky69 i will get it scaned on for you, we have been told by every one including their solicitors its a ersional loan, and if that the cas seeing as she gave me the car 3 years ago then the car is mine as its been registered in my name all along. i know my daughter will have to pay the loan of eventuly or go bust because of other things he ex has left her with, but i belive that the car is mine, they can if they want go to court to try to take my car off me because it was baught with her money she borrowed, but i wonder how well that will hold up in court....what do you think???

hi postggj the agreement is a FIXED-SUM LOAN AGREEMENT REGULATED BY THE CONSUMER CREDIT ACT 1974 does that help you bill

sorry it is in full FIXED-SUM LOAN AGREEMENT REGULATED BY THE CONSUMER CREDIT ACT 1974

it is loan agreement regulated by the cca 1974

thank all you very much for you help, i will get the agreement scaned as soon as i can, should be done for the weekend i will make sure she does not sign anything