They take as long as they like unless you put a rocket up them. I would give them a deadline & then involve the FOS

I am in exactly the same position. I have written back telling them that I have reported them to the FOS. Im not sure your loan is governed by them but it is certainly worth you writing back to BH telling them you are not satisfied and are intending to take the matter further. They try the fob off with everyone

I am claiming just short of £10,000 from BH. I havent been given a claim form just a letter from the Essex address saying not mis sold go away. I have filled a claim form out for the FOS as my loan started in June 2005

Had a letter back today from LTSB Cockfosters branch. Basically says BOGOFF you had the paperwork you signed it tough. It does say however, that we cant complain to the FOS as the agreement was signed before Jan 2005. Enjoyed drafting reply to the effect "you say we cant read the agreement was June 2005"! REally hoping the FOS find in our favour now as doesnt look like we will get anythign voluntarily

I too are new to this and have been taken for the same ride as you. There are a lot of vulnerable people out there. Why dont you write to LTSB and give them 14 days to cancel the PPI on your policy and say that at the end of that timescale you will notify the FOS if no satisfaction. If they cancel the PPI then claim back all you have already paid. If they dont download the complaint form from the FOS website & let them intervene. In any event IMHO you should be claiming it back from LTSB but it would help you to get the monthly payments reduced. I sent a letter claiming all mine back 5 weeks ago now after 3 weeks sent a reminder. After 4 weeks sent in an official complaint to the FOS Im waiting to hear from them now

Thanks for that WS. I suppose only the recordings that they think are helpful to them will see the light of day!

They just sent us a copy of the agreement within 10 days of asking but no other paperwork. Do you know if they keep tape recordings as this would be very interesting

Thanks Loukim. I have downloaded the complaint form and am busy filling it in now!

It has now been amonth since I sent the initial letter with no response at all from BLackhorse. Can anyone help with whether the complaint forms for the FOS are available to download rather than having to write to them about it first? Also if CC proceedings are issued on behalf of a debt recovery company who have bought the debt from a credit card are they entitled to bring the claim on the basis that I am in breach of the CCA agreement I entered into as I didnt have any agreement with them the agreement was with MBNA? Shouldnt I be paying back what they have bought the debt for not the original amount? Thanks if anyone can help me

ITs been nearly a month now since I sent 1st letter without any response. IF nothing by next Mon Im going to report to FOS as you suggested

I have signed the petition. Thank you very much Podgy Dad your posting is very helpful I have clicked on your scales. I will go down that road as you suggest as the Court fee would be £225 which I cant afford at the moment! Was reading on another website that lots of people appear to be getting their money back after a couple of letters. Hope its the same for us

Have not heard a sausage from Black Horse so sent them 2nd letter yest giving them 14 days before I issue Proceedings. I dont want to go down the FOS route as it may take months and also I have read on here that even if the FOS find in your favour the insurers can still decline to deal with it? Im adamant this was missold as I only intended to take the loan out for 1 year & told the sales girl this. Has anyone had any success v Black horse on a voluntary basis?

We purchased the above policy from you in June 2005 but now believe that we were mis-sold this policy for the following reasons: This is due to the fact that we paid a single premium for our policy but did not see it through to the end of it’s initial term after paying back our loan earlier than planned on the 16 June 2006. Also, due to the fact that we were not given the correct information when the policy was sold to us, as Your salesperson stated / implied that taking out the policy would assist our credit application. Your salesperson did not tell us that the policy was optional Your salesperson stated / implied that taking out the policy was essential for us to get the associated credit Your salesperson did not give us full information on what the policy would and would not cover for example that certain medical conditions were excluded, including a condition which my husband suffers from. We are concerned the sales assistant that sold us the policy has no financial background and the policy was not sold in our best interests. Having recently looked at the paperwork for our loan we now realise that we have paid for insurance that we did not know we had taken out so could not have been explained to us. Unless you can satisfactorily justify to us that the policy was fair and reasonable we are requesting a full refund of all premiums, and subsequent interest on those payments. As we believe we have been deprived of this money we also expect 8% statutory interest, the amount a court would award, to be added to each payment made. We look forward to a full and prompt response to this letter and for the matter to be concluded with eight weeks or we shall be contacting the Financial Ombudsman to investigate my complaint. This is the letter I sent. I havent been given the settlement figures yet so dont know what PPI was applied to the final figures. They have only sent me a copy of the original agreement which I had anyway which shows the figures as per the first post here. The loan was taken out after the new regulations in 2005 yet we didnt get any additional paperwork for customer needs or for the PPI in accordance with the agreement. I know it sounds numb but I didnt even know I had any PPI until I read this forum and thought I would check. I am absolutely certain the salesgirl did not even mention it when pushing the loan onto me or I would not in a million years have agreed to it

When you applied for your egg CC online you will have been asdked to tick a box if you didnt want PPI applying if you didnt tick box they automatically add on & its at a phenomenal rate as I understand it you need to look at whether you would ever have been able to benefit from the policy & claim misselling on that basis

Bump

HHNF if you are out there could you help me? I sent off the initial request letter to Blackhorse. 17 days ago. Not heard anything. Could you advise me where to find the template letters so I can do the LBA? Ive cribbed the 1st letter from another website Thanks for your help

We purchased the above policy from you in June 2005 but now believe that we were mis-sold this policy for the following reasons: This is due to the fact that we paid a single premium for our policy but did not see it through to the end of it’s initial term after paying back our loan earlier than planned on the 16 June 2006. Also, due to the fact that we were not given the correct information when the policy was sold to us, as Your salesperson stated / implied that taking out the policy would assist our credit application. Your salesperson did not tell us that the policy was optional Your salesperson stated / implied that taking out the policy was essential for us to get the associated credit Your salesperson did not give us full information on what the policy would and would not cover for example that certain medical conditions were excluded, including a condition which my husband suffers from. We are concerned the sales assistant that sold us the policy has no financial background and the policy was not sold in our best interests. Having recently looked at the paperwork for our loan we now realise that we have paid for insurance that we did not know we had taken out so could not have been explained to us. Unless you can satisfactorily justify to us that the policy was fair and reasonable we are requesting a full refund of all premiums, and subsequent interest on those payments. As we believe we have been deprived of this money we also expect 8% statutory interest, the amount a court would award, to be added to each payment made. We look forward to a full and prompt response to this letter and for the matter to be concluded with eight weeks or we shall be contacting the Financial Ombudsman to investigate my complaint. This is the letter I sent. I havent been given the settlement figures yet so dont know what PPI was applied to the final figures. They have only sent me a copy of the original agreement which I had anyway which shows the figures as per the first post here. The loan was taken out after the new regulations in 2005 yet we didnt get any additional paperwork for customer needs or for the PPI in accordance with the agreement. I know it sounds numb but I didnt even know I had any PPI until I read this forum and thought I would check. I am absolutely certain the salesgirl did not even mention it when pushing the loan onto me or I would not in a million years have agreed to it

No you cant ask for an extension for the AQ really if you dont file it within about 10 days you will rec an Order from the Court ...if the Def doesnt file his AQ within & gives you another 14 days judgment will be entered for the Claimant so you do have a few days grace yet. You can file an amended Defence and Counterclaim with the AQ thats the time to do it without it costing you anything

If you have just sent an initial letter asking for the refund then the next stage is a formal Letter before action. I dont know if there is 1 for PPI on here HHNF will know. Im expecting my bums rush letter any day will then send the LBA & then issue PRoceedings if they still deny. Then I will need all the help I can get cos Im not that confident I know what Im doing

Send them the LBA now

What you need to do is give an intention to Counterclaim. With the Allocation Questionnaire send a list of suggested directions 1. The Defendant be permitted to file Counterclaim as per the attached draft 2. The Claimant be permitted to file defence to the Counterclaim within 21 days 3. Costs in the case Then attach to it a Particulars of claim (Im not sure if there is one on here you can use HHNF & REid will know) change the Particulars of claim to Counterclaim & put in the amounts you are looking to claim back for the PPI plus interest you may have to file a fee for the AQ the fee shouldnt increase for doing it this way. Send a copy separately to the Claimants Solicitors. If you need anymore help with the AQ shout up. I can help with anything to do with the Court PRoceedings as thats what I do for a living but cant give you any info on the missold PPI as Im as much in the dark as you

Thanks very much for your help HHNF. Im not sure what they charged me when I settled the loan in June 2006 when I asked for the original details they just sent me a copy of the signed agreement. What is most annoying is I didnt really want the loan to start with I was talked into it by the really pushy sales girl. It didnt help with the new mortgage either needless to say. So I should be asking for the £6297.25 plus the £3300.59 & interest since June 2006 in addition to any early settlement charge? Im not going to bother with the FOS if I dont get any joy as my experience with them in the past has been they take too long and then dont come up with particularly good results anyway. I have complained to them 2xs before. Once when HSBC bounced a cheque despite money being in the account & after 10 months I got £100 compensation & 1x when the insurance didnt pay out for the redundancy premium to which I didnt even get a response! Problem for me is with the amount involved I cant do it online will have to issued a fast track action. You never know though they may cough up yerrr right

Thanks for your reply. I will see what response I get from Blackhorse & if no satisfaction next step FOS

I sent the 1 from Martin Lewis website

Why not just do an SAR to each of the companies giving the approximate dates you took out the loan your address at the time & how much it was for that should give them enough info to trace?