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  1. Hi I have just received a letter from Mortimer clark regarding a secured loan I had with Black Horse. It says they are working for Marlin and have submitted a order of possession with the court but they also give me 21 days to complete a budget form and make an offer of payment...confused, can they go through with the possession order as I read on another site that only the loan gets transferred and they cannot enforce anything? The other site also mentions a novate agreement can someone explain what this is?? thanks
  2. Hello I'm new to this site so hopefully I'm doing this correctly! I have a car on finance through Black Horse and I want to complete a VT. I have sent them a letter stating my intentions and asked them to confirm receipt of this letter by telephone call. The letter was sent via recorded delivery just over 2 weeks ago and as yet they haven't got in touch. Am i just being impatient or should I have heard from them by now? If I should does anyone know which number I should call? I could really do with the car going asap! I would also like some information on returning the vehicle too if possible. The finance agreement is in my now ex-stepfather's as is the logbook (he signed the vt letter). He actually lives in the midlands and I live down south, which is where the car was purchased. Where are they likely to ask the car to be returned to? Thank you in advance, any advice would be gratefully received Shelley
  3. Hi, just joined as i have received a letter from Lowells regarding a Black Horse alleged debt. It was a £6K loan from 2006. I got into financial difficulty in 2007 and stopped paying. I sent a SAR to Black Horse in March and received some printouts with transactions and copies of letters detailing late payment charges and default letters. Last payment was back end of 2007, there is PPI on this loan as well. I CCA'd Lowells in March but never received anything back, so I sent them an account in dispute letter, which also was not replied to. What is the best thing to do next?
  4. I had an account with black horse which i defaulted for £144.74 p/m im now paying £70 to Meritforce. The reason im asking for advise is i have signed up to Experian and its showing each month im paying black horse (which im not) but each month its showing as payment late which is having a negative effect on my score. I have spoken to Black horse and they say Meritforce are a 3rd pary company collecting on their behalf and its nothing to do with them and they couldn't tell me the amount outstanding which is £1076! so no help there. Spoke to Meritforce who said there is noting they can say but they have added £400 to the original debt! is this legal? and how can i stop my credit file from showing as late payments each month? Thank you for any advise given.
  5. HI everyone , I'm normally found getting at the banks for their outrageous behaviour, but a couple of weeks ago I re insured my horse with the NFU. They agreed I or my daughter could pay by direct debit etc......all well so far. Unfortunately we noticed our horse having a slight limp at times and we called out a vet. The vet came out and took him into the surgery for tests. we Rang the NFU and they were al helpful in the what we could do and what we able to claim for. After a week or so a lady from Equine 1 rang us to ask to come to our house to speak to us about the horse.THE QUESTIONS STARTED where is the horse? whats the stable owners name when did we notice this , who lives in the house etc etc normal questions about the horse?, the lady was taken up to the yard to see the horse, she then proceeded to ask who was the stable manager where was the yard owner and went off around the yard asking all and sundary questions. Now I was getting a little bit sick of the way in which she was so called putting a face to the claim just to understand the picture. I found out today that said woman has contacted the yard manager and asked questions about our horse ,because she thought our yard manager might like to say something about us when were not there.......oh and the latest things were she wants our telephone records for my daughter and my wife from MAY then receipts for the saddles ........what the helll does this have to do with a claim for the horse' I feel like I'm under a fraud investigation is this legal to ask for such personal information that is totally irrelevant to the horses problems can anyone tell me where I stand with this person and what should I say to the phone calls records regards Nigel 1804
  6. Hi Guys I was wondering if someone could give me any help/ideas/info.... I will try and keep it as short as I can with as much info as I can remember.... I have had a couple of BlackHorse loans in the past which for one reason or another got topped up or rewritten. I think these had PPI on but were a long time ago 10-12 years maybe. The last time I consolidated was perhaps 7 years ago I removed any PPI on the loan but they did request that it be a secured loan which they did. I think it was between 12000/150000. I paid for a few years then I lost some income and stopped. They sent me letter for a while and kept adding interest which ended up being more than my original payment. I couldnt afford to keep living in the house so moved out and rented it out and into a flat. The rent covers the mortgage but nothing else really. I have heard nothing for 18 months now. no calls letters nothing and while I had it in the back of my mind I just (foolishly) did nothing about it. I have received a statement last week dated July 2013 off them saying the balance was now 270000! the last activity on the account from this statement is from August 2011 at which point they were adding almost 500 a month in interest which looks like it stopped in August 2011. There doesn't look like there are any other movement on the account since then? but says the balance is as of July 2013. Im not sure what has happened between 2011 and now? Today I received a letter of assignment to Marlin Europe asking to contact their solicitor. It says they have the title interest benefits and security (i.e the charge on my house?) Im not sure what to do now? My income currently is over 80% less than I used to earn and I take home maybe 600 per month now total so there is no chance I can afford really to offer very much at all. Certainly not for the next 12 months or so. Can/Will Marlin now start adding interest? My house has no equity it in my mortgage was a 95% interest only and my house price dropped because of the market soon after I bought it so there is absolutely no equity in it which would be easy to demonstrate. But how likely and hard are Marlin likely to push me now? What are my options? what can I do? As I hadnt had any contact I never pushed any PPI but there would be some from older agreements but im guessing its from too long ago to do now? and as the agreements rolled from one to another I wouldnt have any idea if/how to do anything? If they went for a possession order would they get one even tho there isnt any equity and in fact serious negative equity? Will my Tenants find out anything? Sorry for all the questions just really scared me. My own foolish fault I know. Any advice of what to do would be really appreciated. Thanks.
  7. Hi all, I have made a claim for missold PPI from BHF, it has been upheld. This was a joint loan with my ex husband being the first borrower as it were. We have asked them to split the money equally, we have received a letter today to say they are raising a cq to the first borrower for the full amount. Can we actually ask for it to be split, when I ang last week they asked me to put in note asking for this request, yet it has been ignored, Any advice much appreciated, Thank you x x x x
  8. Hi, this thread is to deal with the Black Horse part of my bigger debt problem found here, it explains how I got in this position and the overall debt mountain involved: http://www.consumeractiongroup.co.uk/forum/showthread.php?387784-Big-Debt-Problem...HELP! I have not paid them since December and that was only part payment as part of a DMP. I sent them a CCA request and received this: This one was signed in 2007 as it was for a car. They have never asked about the car which has been at a friends garage for nearly 2 years broken. I have paid over 75% so I believe they cannot do anything anyway regarding the vehicle. There must be a fair few charges on this account. Any thoughts on where to go next?
  9. I have successfully claimed back 3 lots of ppi from black horse already, and now we are on with the final one, we still have an outstanding balance with this particular loan (not sure how much all arrears though) and after they took us to court we got them to cancel the ppi but they never refunded it . then earlier on this year they sent us a ppi misselling questionnaire so we filled it out and sent it back and yesterday got the response and it makes no sense to me at all . this is what it says there offer is £171.17 this is the calculations refund of premiums £655.08 excess balance and interest £99.27 less previously accepted claim -£0.00 less partial refund of PPI already applied -£164.90 less arrears on loan -£4083.80 SUB TOTAL £0.00 interest at 8%, calculated up until 15 july 2013 £238.62 less tax at 20% from 8% interest -£47.72 TOTAL £190.90 then it says "Please note that as you received a redress of £89.37 for agreement ******* on 14/07/211, this amount will be taken off the total above and your total redress payment will be £171.17 could someone please explain what all that means because I cant see where they get £171.17 from and I don't understand the calculations at all I have trie to work it all out but failed miserably
  10. Hi My partner took out a loan with black horse a few years ago, fell into arrears and they gave her a secured loan to pay off the unsecured etc etc... She fell behind with the secured loan, because she was part time at work and lost her job....when she took the secured loan her income was part time and benefits for her children and maintenance. After losing her job the credits stopped for one of her children who turned 18. She applied to get the PPI back on the unsecured and the FOS awarded in her favour. However when black horse sent the cheques, they had taken some of the PPI for the arrears on the secured loan. Leaving her with just the compensation of £200 and interest. Can they do this ? Any help be great
  11. It had all the hallmarks of a well-orchestrated bit of kite flying. First, the Chancellor’s favourite think tank, Policy Exchange, suggested a mass distribution of RBS shares to the public – offered free upfront. Hours later, the Prime Minister called for progress on reprivatisation of RBS to be made as quickly as possible and did not rule out selling the bank for a loss. “I’m open to all ideas and proposals,” he said with a metaphorical nudge and a wink. The Government’s current obsession with the fate of RBS is a bit of a mystery, the fact that taxpayers own 81pc of its shares notwithstanding. After all, Lloyds Banking Group, which is 31pc owned by the taxpayer, looks a much better candidate for a relinquishing of the Government’s stake, given it has far fewer issues to contend with than its troubled rival. This was highlighted again on Thursday when comments from chief executive Antonio Horta-Osorio about the likelihood of a full-year profit caused the lender’s shares to rise to within a hair’s breadth of their break-even price. With Lloyds shares trading above 60p for the first time since March 2011, the bank’s market value was on Thursday less than 1p off the 61.2p minimum threshold for a sale. By way of comparison, RBS shares have been hovering around 300p for some time, putting it about 100p below the assumed minimum price for any sale. Link: http://www.telegraph.co.uk/finance/comment/telegraph-view/10062903/Lloyds-looks-a-better-horse-to-back-in-the-bank-reprivatisation-race.html
  12. Hi Guys and Gals, Heres my tale of woe Got a loan with BH (approx £16K) that started in late 2005, due to the joys of self employment over the years have had missed payments and late payments complete with the usual excess charges !!! In late 2009 i had a visit from a collection agent acting on their behalf and arranged to make monthly cash payments to him of £400 to bring down the arrears, I made 4 payments starting in December 2009 through til March 2010 when due to lack of work had to stop making the payments and advised him i would get in touch when i was able to resume the arrangement. Due to vast amounts of spare time i actually looked at a statement that BH sent me later in 2010 and found over £1300 in late collection and collection activity fees , 82 late payment interest fees (4 a month in some cases !!!) and 1 of my cash payments (January's) wasnt showing on my statement. After having a look around this site i sent an account in dispute letter to BH pointing out the late payment charges and also Januarys missed payment of £400 and asking for the charges to be removed and the payment credited. In December 2010 managed to get 9 months work down in London and being honest totally forgot about it as I never heard anything more from BH. BH have now sold the debt on to Hilly's Securities who have recently sent me a statement of account, a copy of a default notice and agreement (No Notice of Assignment) and are threating legal action through Aplins. After looking at the statement of account which is dated July 2012 and is just BH's print out, all of the late/collection fees and late payment interest fees i queried are still showing and January's missed payment is still missing. Am after a bit of advice on the best way to proceed with this :- do i send an account in dispute to Hilly's/Aplins with a breakdown of the charges i want removing (using the calculator i found on the site) and If so can i add interest onto the late payment charges ? Can i claim the Late Payment Interest charges back as well and if so can i claim interest on them? If i can get these charges removed i would then be able to make an offer to clear this account. Sorry for the lenghty post and as usual any help is greatly received Gazbo
  13. I took out a loan about 3 years ago, when all was good in our financial world. Unfortunately, since then my hubby lost his job. The original payments were £202.35 a month. BH reduced them to £40 a month, which then increased to £45 and are now at £50 pcm. They are still charging interest on the loan, and the arrears are now about £6000 L. I have been on payment arrangements for 3 months at a time. They just rolled over the £50 for the next 3 months. However, this morning, I received a letter asking me to call them. I did, and they said that the arrangement has come to an end and that they recommend I contact someone like Payplan to assist and to see about getting the interest stopped etc. I have had a look on here, and am very dubious about getting involved with Payplan after reading some of the posts. Can I not just deal with this on my own, send them an income/outgoing sheet etc and ask them to stop the interest and charges? Do they NEED a response from a debt collection company or are they just being awkward? Any advice appreciated J
  14. Hi not been on this for a while and I apologise that my first post on my return is for advice.. My wife and I have just received a letter from the courts with a time to pay application for a debt we have with black horse. One of the reasons we are in a mess with this (as well as burying our heads in the sand) is that my wife took unwell due to depression and was off work for an extended period (she ended up having to leave her job because of this) we tried to claim the PPI we had taken out, thinking all would be fine but were advised that the protection did not cover depression/mental health issues. I dont deny the money we owe to Black Horse, but do not agree with the amount as we were, as far as I am concerned missold PPI Just wondering if we make a claim against them for the PPI what this would do with the impeding court action. I realise if i send the time to pay directive I am admitting to the full amount. Any advice would be welcome.. Thanks (and I hope you all are having a lovely easter )
  15. I am hoping someone can give me some advice on where I stand with a Black Horse PPi claim. I received notifications on the amount they owe after they have upheld my complaints. Cue much joy and skipping round the room until I read the acceptance forms they want me to sign. One of these loans was originally with Cedar Holdings a very long time ago, and when it was taken out due to my bad credit rating it was secured on the house I then owed with my ex partner. The loan would have been granted to me, whether cheque in my name or into my bank account and I know all repayments would have been from my sole account and not a joint account. Black Horse require all parties to sign the acceptance, and given I split up with my then boyfriend around 8 years ago and have no idea where he now lives, this is impossible to do. Where do I stand on this, can they refuse to pay out as he hasn't signed, refuse to pay the amount to me only even though all payments would be from my account and a direct debit would have been active on my sole bank account?
  16. Hi, Can somebody please help as I can't for the life of me get my head round the figures we have been given by Black Horse for our ppi offer. We had two loans, both with ppi added on top. First loan was consolidated into second loan 9mths after taking it out. The second loan ran for 4 years with ppi and we did make a claim for one month on it, but this is listed separately in the calcs. The one part which has confused us is this... "Less Payments Due if Pro-Rata Basis" Black Horse have knocked a hefty £750 off the balance under this heading and we've no idea why? Can anyone shed any light on what it means so we can decide whether their figures tally up correctly? Thanks, Dawn
  17. Hi - Heard this morning one of my claims was rejected. Very early one taken out in a dealer in 1993. I was self employed at the time and still. This was the grounds for my complaint on this and other subsequent ppi complaints (the latter ones taken out in Blackhorse Offices). They have sent pretty much a standard response , acknowledging my self employment but saying " Your status at point of sale confirmed in your application meant that you were not significantly affected by any of the exclusions or limitations associated with your ppi policy". I believe I was adversely affected , but when I appeal ( all their lines are down currently!) do I keep to this defence or should I say about the whole premium was added at the commencement of the loan. I await three other ppi claims with them all with the same complaint grounds of self employment. I am most annoyed as when I called yesterday I was told the complaint value was being calculated, or was that to get me off the line !" Any advice would be much appreciated
  18. hi we have been paying our ccj off now for about 3 or 4 years and was wondering if there was any chance of us getting a charging order removed from our home. We have never missed a payment on the ccj and the debt has been sold on a few times to my knowledge. So what if at all would be the way to go. Thx for any help...
  19. Hi, I am trying to help a collegue reclaim ppi on a Black Horse loan. She took out a loan & then refinanced into another loan. There was no rebate on loan 1 so I have managed to calculate the percentage of PPI rolled into loan 2. The problem I have is that she is in arrears with her payments, and I am not sure how to calculate the ppi if her loan is in arrears, help!
  20. Hi Everyone. I took a loan out with Black Horse for £8k in 2005 , I defaulted on the loan and apparantly Black Horse sold the debt to Hillesden securities and claimed they had a charge on my home for £11k. I told them that the loan was not secured and also PPi was attached to the loan, some £2.5k value according to the paperwork. I requested copies of my agreement back in june 2010 and into 2011, and this week i received a copy of the agreement. I should say that i have been very ill for over a year and have left everything but i am on the mend so i have time to put all my affairs in order. Hillesden says they own the debt and intend to continue with the debt and to speak to black horse which i did today, they told me i can claim the ppi back with them but regarding the secured charge they sold it to hollesden and i must talk to them stating i am not happy with the way my case has been dealt with. then hillesden will write to black horse and will then look at it. also how come it has taken over i year to get the origional account number and agreement, is it they are trying to get the ppi to offset the charge cuz this cant be correct legally. black horse also said they would reinstate the loan without the ppi and start again I need your expert advise her cuz i think the loan is invalid and therefore the charge they have is incorrect by form and amount. i have kept copies of all phone calls.
  21. I had 2 agreements with Black Horse (no PPI), one a loan and one a credit card via MFI. I have repaid the loan agreement and the second had a CCJ which has now been sold to MFS portfolio and which I am repaying £75.00 per month. Having looked at statements, they were charging me £25.00 or £30.00 in fees. Can I reclaim these, even though it says in the agreement that they can charge these fees? Thank you
  22. i need some advice, first a bit of background this may be long I had a loan with black horse june 2006, i kept up repayments for awhile but started to struggle after i was made redundant and in august 2007 they got a ccj against me. i agreed to pay £30 a month and did so for 15 months. Then my partner was made redundant who was the main wage earner and i could no longer afford the £30, i had the order changed to £1 a month and i paid that until sept 2011 when i recieved a letter from a company called hillesden securities saying they were the new owners of the debt and i should start paying them. i wrote to both hillesden and black horse. i didnt hear anything from black horse directly but i recieved a reply from hillesden with a black horse letter attatched to theirs saying hillesden had purchased the account. i wrote to hillesden to tell them i wouldnt be making payments until i was notified by the court or black horse direct. i didnt hear anymore and forgot all about it to be honest. oct 2012 we recieved a annual statement of account from dlc (direct legal & collections) i wrote to them asking who they were and recieved a reply saying they were acting on behalf of hillesden securities to which i replied with a letter saying i didnt have an account with hillesden and asked for further details. today i recieved a letter again from dlc with their further details, black horse agreement number, agreement date, date hillesden purchased the account from black horse, ccj number and date of ccj. plus they have told me dlc are a trading name of hillesden securities. Agreement number & ccj info are correct but their dates are wrong. the loan was taken out jun 2006 cant remember exact date but was last week of june and ccj 15th august 2007, dlc says original date of agreement is 26th aug 2007 and ccj was registered on 15th august 2007. yes that means the ccj came before the agreement, these dates have been quoted several times. is the ccj still valid or do hillesden need to transfer it to their name? i have checked my files with equifax, experian & call credit and also done a check on trust online but neither the account or ccj show on any. this is the first time i have check so do not know if there was anything showing before. can ccjs be removed from credit files even though its only been 5 years since ccj was registered? i know i definately have/had a ccj for black horse. confused as i have another ccj which shows on all. they havent made any demands for payments so not sure if i should just ignore them again or if i should reply or even sar them
  23. Hi Forum, I have an unusual and complicated situation that I would greatly appreciate some helpful advice on. On 31st March 2008 I entered into a HP agreement with BH, total price £11,179.83 and paid a deposit of £500. The total credit charge was £2,858.65 and agreed to be repaid by 48 instalments of £282.26 I was able to meet the payments up until and including November 2009, but after this date I was unable to due to my company going into liquidation. I held onto the car without making any payments until October 2010 in the hope things would improve and I could get back on my feet. When I decided I was not going to be able to achieve this I agreed to entertain a VS. At this point the matter was passed to Apex Credit Management. As you may expect, I was very apprehensive to do a VS as I am aware that cars are auctioned and I didn't want the vehicle to be sold for a lot less than its value and be left with a significant amount still to pay. I was visited by a representative of Apex by the name of Mr Brian Pearson. He was a very friendly man at the time and appeared to be very cooperative. When I voiced my concerns over the auction sale being far less than the cars worth leaving me a large deficit, he advised that the normal procedure was to place a reserve on the car of the Glass Guide price plus 5%, and that the vehicle would continue to go through the auctions until it sold at this value, therefore a low price sale would not occur and I would not be exposed to a high deficit. This information put me at a lot of ease and I consequently signed the relevant documents (naturally they contained huge amounts of very small print T & C's) however Mr Pearson told me I had nothing to worry about and that from the just over £8,000 I still owed, after the auction I would only be left with probably just over £1,000 and would be able to come to an agreement with BH to settle this. For the record, my car was extremely well looked after with very low mileage and the Glass Guide price was £6,300 in its state at the time. Approximately 3 months later I received a letter from BH saying the vehicle has been sold for a paltry £3,389.20 and I was left with a deficit of £4,514.08!! Obviously I was horrified. I immediately wrote to both BH and Apex demanding to know what the hell had happened in light of the advice I had been given by Apex. Naturally BH said they knew nothing of anything and referred to their terms. Apex were as bad and denied they would ever give such advice and can only refer to terms of surrender etc. Whilst in hindsight, I realise I should of got written confirmation of such things, at the time when you are under great stress you take these things on professional trust. Obviously not being happy with the situation, I decided to take my case to the Ombudsman who have not upheld anything to do with my complaint stating: " It is difficult to conclude that BH has done anything substantially wrong. I have no reason to believe that the current balance is incorrect or that BH was under any an obligation to put a reserve price on the car at the auction." It goes on to explain how BH provided a copy of the signed paperwork and that it was all done in-line with terms and standard practice. All in all, BH have done everything correct and by the book and have done nothing wrong. When addressing the issue with Apex, again the Ombudsman has said that there is not enough evidence to uphold my complaint because: Apex have sent Mr Pearsons account of events and he is adamant he would not have said such a thing (surprise surprise) and that he always advises that cars go to auction and get sold for as much as possible, end of. He goes on to explain that he sometimes uses an anecdote about a car his daughter was looking to buy and refers to a CAPS guide price plus 5%. To which the Ombudsman finds plausible and suggests I might be confused! I can 100% assure anyone, I know what Glass Guide is and I know what Mr Pearson informed me off and never mentioned anything about any CAPS guide price, otherwise I would have wanted to know what this price was? All in all the Ombudsman concludes that it cannot verify verbal misrepresentation and therefore cannot uphold my complaint. I have the opportunity to appeal the decision, however I do not know how best to go about this at all and would be really grateful for some useful advice on this. I will also happily donate to the cause as well. Many Thanks, SK
  24. Hi I am pretty sure Black Horse Finance added PPI to a loan i had with them in 2001 however i dont have any of the documents and yes i have searched high and low. I wrote a speculative letter to them asking for them to search their records but i got what i was expecting i.e. we dont have any records of your agreement with us so cant help you. Given the above should i just give up or is there something else i can do? Thanks Shane
  25. Ive had 3 loans with Black Horse Ltd as follows 2002 £1000 @30% 2004 £1500 @19.9% 2006 £2500 @19.9% PPI was added to each loan with a one off payment at the start and interest was charged at the appropriate figure.Each loan was rolled into the following one a couple of months before the original loan had been paid off.I have recieved SAR and have completed Questionaires.Do I have to submit a claim for each loan or combine them all together.Also what would be the best way to come up with a satisfactory claims figure or figures to submit. Roughly what total am I looking at.Thanks for any advise
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