Cheers, hazzersdad. Encouragement is greatfully received, it's just as welcome as advice in my book. I don't know why Barnet Black Horse sent the LBA to Cardiff as they are well equipped to deal with it themselves being the asset and finance div. I've bollocked them though as I had proof of delivery at Barnet bit now I don't for Cardiff. I've requested immediate contact from Cardiff; we can but hope!

Well isn't that just fine and effing dandy? Beaten off Fulham, now this. Is your account held at Cardiff or Soton? I had sent my LBA rec deliv to Barnet (asset and finance) but they passed it on to Cardiff. I've complained numerous times lately on my son's behalf direct to the chairman's office at LTSB. Looks like it could be my turn.

Cheers pt, thanks for that. I hope Cardiff is as obliging

Which Black Horse office are you dealing with?

I sent a LBA to Black Horse on 1.2 recorded delivery and got an acknowledgement back on 3.2 but only to say the y had forwarded it on to Cardiff where my account is held.

Sent my LBA to Black Horse Asset and Finance Office recorded delivery on Thursday, 1.2 It was received on Friday,2.2.Envelope on my door mat today, 3.2 from BH Acknowledging receipt of LBA but informing me that it's been sent to Cardiff " so that the relevant department within the Cardiff Office can ignore it, oops!, can make a response". Probably same reply as my prelim. letter. I didn't get one. Pat on the back to Royal Mail. Second class frank on BH envelope, delivered next day.

Sent my LBA to Black Horse Asset and Finance Office recorded delivery on Thursday, 1.2 It was received on Friday,2.2.Envelope on my door mat today, 3.2 from BH Acknowledging receipt of LBA but informing me that it's been sent to Cardiff " so that the relevant department within the Cardiff Office can ignore it, oops!, can make a response". Probably same reply as my prelim. letter. I didn't get one. Pat on the back to Royal Mail. Second class frank on BH envelope, delivered next day.

I began action with Black Horse on 15/1. Needless to say my prelim. letter was ignored. I sent copies to Cardiff (where my account is held) and to the Asset Finance office in Barnet. I had all the figures I needed on full statements I had asked for weeks ago; before thinking about recovering charges. Sent my LBA earlier today by recorded delivery direct to the Asset Finance Office. I am expecting (eh!) a reply but not holding my breath.

As I had no response to my prelim. letter from Black Horse Cardiff, I've sent my Recorded Delivery LBA to the Compliance and Admin dept at LloydsTSB Asset Finance Division Barnet; hope this ok. I'm also thinking of faxing it as well. Is this a good idea?

Not sure if I am on the right wave length (or thread for that matter), not used to this. Age 56 but still learning. Held back by the civil service for thirty years, fortunately, now retired. Anyway, Black horse has not replied to my preliminary letter, no surprise there then. Letter before Action to be sent today by recorded delivery. As my account is held at Black Horse Cardiff, I've sent my correspondence there. Is this right or does Black Horse have an elite section for claims, anyone know? Has anyone had success with a secured loan taken out with Black Horse?

Just decided to chase up Black horse for various charges on a nearly repaid secured loan. I know I should have "no problem" claiming activity/direct debit charges but I'm going for the jugular. I'm trying to claim back late payment interest charges that I have to pay on top of the interest that was already added to the loan and I'm also asking for partial return of legal charges which I think were way over the top. I sent my prelim. action letter (I have all my information) yesterday. Here's fingers crossed.