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  1. Weve had a telephone call from Blackhorse today to say we can cancel our PPI but our repayments on the loan wont go down due to a previous claim we made. Is this correct??? Hadituptohere
  2. Looking for some advice. I defaulted on a black horse personal loan on 2012 (not hire purchase) which was taken out for a car in 2009. This was included in my sequestration. The car was not repossessed as the value of the car was too little. Black horse have confirmed that the account is closed but that I still have a balance. 5 years later I would like to sell the car but when carrying out a HPI check the balance is showing. Do I have the right to sell this car?
  3. can someone advise me please... i have received a claim form from Ascent legal on behalf of the above. it relates to an amount £2864.14 which is in relation to a secured loan from black horse. i have paid them nothing nor have i replied to any correspondence in over 6 years - is the claim statute barred or not? thanks in advance
  4. Hello, A few months ago I started having my Boots.com orders cancelled for unknown reasons - in the end I gave up and used my husbands account. Then Argos started repeatedly cancelling my orders and so I used my husbands account. Now my husband is being refused orders from both of these companies for unknown reasons. Even if I try and set up a new account and get a delivery it comes back as cancelled. When we call the customer service team can’t tell us much it’s either our card/cards, names or address? Can’t seem to find much on this and what to do never
  5. I previously sent a CCA request as I could not locate the original that was taken out in 2001. I received the attached edited copy but is I am not sure if this is correct ? I then sent off an SAR and again received the same amongst details submitted. Am I missing anything does anyone know ? I've checked the forum for BH credit agreement examples but all seem to look different to mine. Just one other question, should BH be sending me annual statements of some sort ? Thank-you for looking.
  6. We have had numerous issues with a caravan purchased from a dealership in less than a year we have had approximately 44 issues with the caravan with several issues being serious. Four of the issues resulted in the front and rear panels being repaired and then replaced. The advice I got from a lawyer was as follows; Although I appreciate you approached XXX Caravans to supply you the caravan, as you took out a hire purchase agreement with Black Horse, they are the retailer of the caravan. T herefore any rights you have under consumer law are to be exercised against B
  7. Car on HP with BH. Some way in to the agreement finances crashed and couldn't pay. Defaulted and taken to court. But BH didn't get a court order for repossession, and I avoided a CCJ. (Mostly luck, and a sympathetic judge.) Instead BH & I agreed a Tomlin order with minimum repayments, which I kept to. Final payment made recently. The Tomlin order explicitly said 'There is no order made in respect of costs.' BH have still added solicitor fees, court costs, and other legal costs adding up to a few hundred to the balance. Do these fees count as unre
  8. My friend had a black box fitted through Admiral. He had 10/10 scores throughout. He went to cricket and the car was parked up. He got a score of -10 as they said he drove 13 hours straight no breaks and that is dangerous. They also said he drove at 130mph which he didn't. Why would he when he knows there is a black box fitted and only got 10 out of 10 scores. He tried to speak to them but was simply told. The black box doesn't make mistakes. They cancelled his insurance and banned him from the insurance company and anyone under their brand. His insurance shot up and he needed to t
  9. https://uk.news.yahoo.com/video/shocking-moment-man-walks-away-121526688.html
  10. Name of the Claimant ? - ME III Limited, Date of issue – 13 Apr 2017 What is the claim for – 1.The claim is for the balance of instalments due & unpaid under an agreement dated 27/03/2008 & under which BLACK HORSE LTD agreed to provide credit in relation to the purchase of goods payable by instalments ('the Agreement'). The Agreement was assigned to the Claimant. PARTICULARS 1. Amount due & unpaid 2890.44 THE CLAIMANT THEREFORE CLAIMS 1. Amount due & unpaid 2890.44 What is the value of the claim? £2890.44 ( + 105 + 80 costs) Is the claim
  11. Previous complaint with Skye Loans / Capita rejected by FOS. Skye / FOS advised that disputed amount transferred by BH, in June 2015. Submitted SAR to BH. Last overdue amount from BH different to opening arrears balance stated by Skye. Confirmed by details received as per SAR. Raised complaint with BH who responded that all details provided in which they have. Escalated complaint to FOS in which I have now received their brief and inconclusive findings. They have said that the disputed transferred arrears amount needs to be raised with Skye Loans???? I have until
  12. Hi I have a secured loan previously owned by black Horse but sold to Sky Loans in 2015 .what a nightmare At point of sale sky loans told me there were arrears despite the account being in dispute In 2016 Black horse made me a credit which more than cleared any arrears and Sky Loans have added various charges extra interest but refused to reimburse me The loan is almost paid any advice Please
  13. good morning all, whilst trawling through old paperwork searching for anything relevant to a separate issue i have, i have found an old black horse finance agreement from 2002. i have no other paperwork relating to it. there is ppi on the agreement and i have detailed on the agreement: the furniture cash price, monthly interest rate, apr, number of monthly repayments and amount of each payment. However there isn't any breakdown of the monthly payment although i'm assuming i can work that out from the other figures on the agreement ( although i haven't been able to work out
  14. In July 2010 my wife I purchased a static caravan on a Park Resort holiday camp for £13693.75 a deposit of £2500 and the balance on Black Horse finance. Our finances changed 8 months later and was no longer able to pay for the caravan we spoke to BH and they agreed they would take the caravan back sell it and we would have to pay the outstanding finance on a agreed amount of £50 per month and top up as and when we could with no interest on the outstanding balance which was approx £6500. Since 2013 we have kept a regular paymant of £50 as agreed with BH and have a
  15. Was quietly browsing my credit reports last night when I spotted on both of them that there was a CCJ listed. I check monthly and its the first time ive seen them. Was issued 29/12/15 by Northampton Bulk Clearance Centre. Called Northampton today and get a few details from them including the creditor, etc. Turns out ive been CCJed for a debt that I last made a payment on in 2006 and have never communicated in written form about ever. There were a few calls around 2008/9 from them but I requested more than once a copy of the Credit Agreement that they were unable t
  16. Hi, I've been looking at reclaiming PPI from a 2002 loan I got to buy musical equiptment. After being messed around claiming they couldn't find my account details I SAR'd my bank at the time and sifted through 1000+ pages of documentation in order to find my agreement number, 160 days after the initial SAR request I was eventually supplied my account detals. Long story short it was single payment / front loaded PPI payment. I did however run into difficulties paying the account and it was "written off (term as per transaction description) / defaulted at £520 in 3
  17. Hi I have recently finished paying a loan, originally with Black Horse now with Skye. I have made all contractual payments under this agreement. (well actually I overpaid by 1 instalment) 90 payments of 278.26 for agreement 91 payments of 278.26 made The balance of this account is now stands at 775.04 This amount derives from 15 charges of 25.00 & 7 charges of 30.00 A charge of 15.00 to change the date of the repayments. Also now a charge of 12.00 from Skye in March this year for an alleged instalment payment missed. All information is obtained from a SAR sent to B
  18. Have been appointed the executor of an estate and am in the process of applying for probate. The will is fairly straight forward with just two named beneficiaries, so once all the assets have been identified, it shouldn't take too long to wrap up. However, one fly in the ointment turned up ranting and swearing to the point that the police were called. The two main points of contention were: The Black Sheep had not been notified of the funeral. Nothing was bequeathed to the B.S. (the will specifically stated that he was to receive nothing). His parting shot as he was escort
  19. hi ,we have a secured loan off just under 5,000 from Black Horse which is now been taken over by Skye Loans we purposed to pay it at 150.00 per month but they have refused and added charges off 53.00 can any one help please
  20. I am curious how this case has been dealt with see here >> http://www.bailii.org/ew/cases/EWHC/QB/2012/2402.html My questions in this Judgment are at para: 10-17 in the above link... Especially para: 17 your thoughts please... As this is driving me mad atm. Can anyone please give thoughts.. PS not sure where to post this thread, sorry.. MM
  21. hi all, A Family member has just received a ccj claim form, I have filled the form out as best i could, we are almost 100% sure it is statue barred and believe they are just chancing it, Hillesden securities Limited t/a dlc Date of issue – 14 DEC 2015 What is the claim for – The claim is for the balance of installments due & unpaid under an agreement dated 12/07/2005 & under which Black Horse LTD agreed to sell the defendant goods for a price payable by installment('the agreement'). The agreement was assigned to the claimant. PARTICU
  22. HI I am wondering if someone can help me word defence to a CCJ application that my husband has just received from black horse. I have 14 days to acknowledge and then 14 days to defend, but am struggling with the wording I want to defend on the basis that 1. Id like a copy of the CCA agreement 2. I want statements to check the balance 3. The loan is statue barred 4. There is PPI on the loan Can someone help please? Thank you
  23. I bought a car via black horse in march 2011. the amount of credit shown on th credit agreement is £5499.85 over 60 months. I VT'd due to loss of employment in jan 2013 after making £2859.89 worth of payments. The car was auctioned for £1821. My halfway payment on the agreement shows as £4611.22. so total received by BH is £4680.89 (more than the halfway payment) I am now being chased for £1203 by mackenzie hall. My question is can i include the sold price to the halfway point or is it payments only? also, they have charged me a £25 'repossession fee'
  24. Wherever you are i hope you enjoy your party tonight. Paid for hopefully by your boss. Meant to put this on this morning,oh well better late than never. Many will already be out there.So i am off,it may go quiet in here as the night progresses. Would really like to know tomorrow when you recover how it went. Bet there will be many interesting tales to tell. Tonight is when drink sales hit their peak on the biggest office party night of the year - how do you survive it? Will it be a mad Friday. http://www.telegraph.co.uk/topics/christmas/12057746/How-to-survive-Booze-Black-Fr
  25. Just checked Ebuyer site - what a waste of time, no different than any other day. I can't see any reduction anywhere other than the normal they have. Anyone found a bargain ?
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