After speaking to some friends I have been told to go to a solicitor as the GAP insurance was miss sold which I am going to do as they did not pay the difference between the car insurance payout and the balance so basically the GAP insurance wasn't worth the paper it was written on. But does anyone have any advise on which one to use as I know there are alot advertised on the tv. Should I use one of these or go to a private solicitor? Thanks for all your help so far guys.

There has been some good advice so far. Does anyone have a template letter for me to claim back the charges?

I haven't put a claim in for the charges how do I do that? It was in July 07 that I got the car. So as I havent made a payment since March 09 will this eventually just become statue barred?

So even though I did not sign the HP agreement they can charge me interest I didn't agree to? And charges I didn't agree to? I was thinking that because I didn't sign the HP agreement that I would be able to offer the minimum amount which would be to pay them up to the amount they lended in the first place and that I should not have to pay them any interest or charges as I never signed for their rate of interest in the HP agreement? Am I wrong in thinking this?

I haven't paid anything since the car was written off in 2009. So am I responsible for the interest and charges they have put on even though I didn't sign the agreement? I hope they don't take me to court I wouldn't know what to do. I may send the letters to stop the visits and the telephone calls.

The insurance was with Admiral and they paid Black horse directly. The details of how they got to the charges are posted above. Im quite concerned about what to do as they will not listen to me when I try to speak to them on the phone they don't care and just demand money. Like I said originally I've had a card posted through my door now so they are starting to come to my house. Do I speak to them when they come to my door next? Do I send a letter to them If so what should I state? Or do I just continue to ignore them? Dean

Hi guys a little more info for you. At the time of write off I had paid roughly £2300 to black horse. When the car was written off by the insurance company they paid £8300 minus the insurance premium they sent black horse £6700. So there was then a sort fall to settle the agreement of £2150 which was fine. But then black horse decided to put all the interest for the whole five years on to the account which was about £6000 plus the other charges from canceling the direct debit and as this has been going on for a while the total now amounts that they say I owe them to £9780. So I done a little digging around as I thought this was very unfair but they would not back down so after alot of looking at paperwork I found that I had not signed the agreement paperwork. I did have the car from them but the garage didn't get me to sign the HP agreement. So as I know I had the car from them I would accept I might owe them some money to the value of what they paid the garage which would be around £2150 left for me to pay but as I didnt sign the agreement can they really hold me liable for all the interest and charges? As curently they want £9780. Any more questions or detail needed just ask. Dean

I took out a hp agreement in 2007 but did not sign the agreement but there are signatures on the agreement that are not mine and do not match my signature. The car was then written off in 2009 and after a insurance payment was made to them they direct debit was stopped. They have since put nearly £7000 worth of charges on the account as the direct debit was stopped. My question is even though I had the car from them as I didnt sign the agreement and someone else has signed it probably the garage when they realised I hadn't signed it. Is the agreement still enforceable without my actual signature? I have informed them that it is not my signature but all I get from them is pay us or we will pass it to a debt collector. I've been ignoring them for a while now after they wouldn't listen to me on the phone and they havent sent me a copy of the agreement despite me asking for one. Well today I found a card on posted through the door from a black horse customer service representive asking me to contact them. What should I do next? I'm hoping someone on here can help me as im a little worried about what they are going to do next and like I said when I tell them I didn't sign it they just ignore me and demand payment. Dean