I've also had a letter intimating that Black Horse intend giving me an early Christmas present from a motorcycle deal. What I'm wondering is whether this is a situation limited to Lloyds Banking Group/Black Horse or is it an industry wide situation - my specific interest would be Volkswagen Finance, which my wife has used, and this is for chunkier sums of money than the motorbike deal. Any pointers on where I could learn more about this issue?