Hi, does anybody know of a good Solicitor who deals with fraud. We have a crime number. Back in 2007, I was given a loan by Black Horse, but as I worked less than 16 hours, was told I was not eligible for PPi but they could use my husbands name with my signature, I thought nothing of it. This fraud was bought to our attention, when we took Black Horse to the FOS, for a second joint loan, which my husband received a final settlement figure 'over the phone' for, when my mother died and I went into bereavement depression. My husband had asked Black Horse to sent out a 'loan closed' letter, after he paid the lump sum requested by Black Horse, only to realise some time later, that this had not been sent and they had added charges. We have taken them to FOS and are about to have this all quashed and they again play dirty sending another file through for the FOS to go through...we are told, the FOS, have to look at the file!!!! Black Horse has tried to take us to court but had it thrown out, and a matter of £1200 and still maintain the default date info on our credit report are correct, which it is not. Does anyone know of a good Solicitor. We wish to write to Black Horse head office and request they close the loan account and remove the data from our credit files, or we will have no choice but to take court action with our proof and crime number. They have been messing with our lives for 6 years now..enough is enough.

Hi ladylovessalsa, which i might add is a terrific username !! My husband and i are currently taking Black Horse to the Financial Ombudsman for dodgy dealings. please never ever send your personal statements to them. tape all phone calls and advise them before the conversation by saying to them 'i have to advise you by law that i am recording this conversation for my records and proof of what has been said' if you haven't got a dictaphone use the recorder on a mobile phone and transfer to a computer cd. If they won't, you have this on tape !! With regard to finances, call a group called CCCS, who are a seperate body and they will help you with a financial statement ( you can look these up an google) they are good. PPi is only for people who are working 16 hours or more. If you write to them, only wrote to head office and send via guaranteed recorded delivery, track the letter and print out the proof of delivery. Believe me this company is a disgrace and you have to fight fire with fire.. ...legally ! good luck

Hi I have had trouble with Barclaycard but I have been adviced to TAPE CONVERSATIONS or put everything in writing. when taping, at the beginning of the phone conversation say 'I must inform you by law that I am recording our conversation for my records' they will hum and har and probably say 'wait a minute I will find out if you can' they will come back and say ok, some will be stroppy but hold your ground, you have a right and you don't need an authorisation number to record conversations.

Hi there, I don't know if this is much help but Black Horse told me I needed PPI even though I was unemployed which would deem my protection void. PPI is governed by FSA, so you could maybe look at their website.