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  1. Hi all, Just a bit of a background, I called Blackhorse on the 23rd December 2018 to check whether I had any PPI on loans that I took out many years ago. The first and most relevant was taken out in 1987 as I recently found out from them. They found I had three within 87 and 91. They didn’t indicate or tell me whether or not there was PPI on any of my agreements and instead sent out a complaint form and explain to them why I was misold any of the policies attached to each loan. I had no paperwork at the time of calling. A week later I sent back the form and gave the reasons why
  2. Hello, We recently rejected a motorhome which was on finance with Barclays Partner Finance, as part of the rejection the dealership reversed the deal back to the part exchange vehicle and reopened the Blackhorse finance on the part ex vehicle without contest or confirmation from ourselves. They also reopened a direct debit in my name. Can Blackhorse do this even if I have not agreed to it, as soon as the account was reopened (we had a settlement letter from them) we were put straight into arrears which affected my credit rating. We are told the dealership told Bla
  3. hello all I wonder if anyone can help me. I took out a loan with Blackhorse in 2002 and it had PPI on it. I was in fulltime employment and had no need for PPi, but was told it was needed. with this being the first loan I had ever taken out, I didn't know any better. I tried to make a mis-sold PPi claim. problem is, I don't have any paperwork with account details. my own bank - HSBC - tell me they cannot go back to 2004 when I finished paying for the loan to help me get the account details. Black horse cannot find me on their system, and therefore reject my cl
  4. I have recently embarked on a mission to clear the debt I ran up when I ran into financial difficulties in 2013. I was struggling in my job at the time and had trouble keeping up with my bills and ended up losing my house and car. I have since recovered and now in a position where I can clear all of outstanding debts. One of the debts that I hadn't got around to yet was around £1500 to Black Horse for the finance on my car. I missed three months payments of £407 and ended up giving them the keys back in December 2013. When I took the agreement out I lived at address 1
  5. I bought a caravan in August 2016, during the process was somewhat misled with the purchase and how beneficial it could be. I can afford the repayments, but unfortunately the information we was given on purchase wasn't 100% accurate and our homework wasn't as thorough as it could be, so now we are in a position where we cannot afford the site fees for the caravan and are now looking at the caravan being evicted off the park. This however leaves us in a bad spot as there is nowhere else for thee caravan to go, and moving it off site is expensive. The whole game is wrapped right
  6. Hi just wondering can anyone assist or have had similar issue: I purchased a hp car after 6 months and faults i returned the car and wanted to upgrade to a bigger car. However i could not obtain finance was advised that if i got another family member they could try that. my sister went with me and they obtained what we were told was finance and that there was £2000 negative equity from the car i had returned and that this would be added onto the monthly payments. We also purchased gap insurance and were advised that everything was the same only difference was the amount.
  7. Hi all I've received a rather threatening letter from Restons Solicitors, I'm hoping you can assist me with my problem. Resotns solicitors been instructed by their Client Hillesden securities limited. I have received an n30 Judgement for claimant Resotns solicitors been. I believe it relates to a car finance agreement I had with Black Horse back in 2000 the Car price was £12000 to be paid over a period of 48 month. After few month later in year 2000 due to financial problem I wasn’t able to keep my payment of the monthly instalment to Black Horse. Black Horse dec
  8. Hi, My secured loan from Black Horse is now with Idem Securities. They are being very fair with their acceptance of our situation but insist on regular reviews. It was a secured loan. They are 3rd charge. I am wondering what legal rights they have 'inherited' IF ANY? However, when we tried many years ago to take out a secured loan they wouldn't touch us as the mortgage we have has a draw down facility on it. Also every now and again we get a month or two arrears on mortgage. The secured loan people never chased us. I was expecting them to try and see
  9. Hi, I've received some letters from Hillesden Securities informing me that they have applied to the courts in regards to a CCJ regarding a debt from 2004. I stopped paying as I couldn't afford it but and was on a debt management plan at the time the debt had been passed around various companies before Hillesden took it on, as I do not have any paper work relating to this debt I'm about to write a letter requesting details of the agreement as I heard I maybe able to contest them if they've not contacted me in what I believe to be around 6 years, if I do th
  10. Hello, I was wondering if dx or someone could offer some urgent assistance. Hillesden Ltd via Mortimer Clarke Solicitors are taking me to court for a debt. I believe this to be statue barred. Details are below. I should mention that I sent through the AOS to allow for an extra 14 days. Just to let you know that this debt does not appear on my credit file. Name of the Claimant - Hillesden Securities Ltd Date of issue – top right hand corner of the claim form – this in order to establish the time line you need to adhere to – 14 DEC 2015 ( by my calculations 3
  11. DX suggested I create separate threads for two PPI claims - this is the first for Blackhorse. I received a response to my SAR within a week of sending the SAR. I can't really work out what I'm seeing in the documents PDF attached. I've tried to be very careful to remove all identifying stuff from the documents before uploading. It seems I took out a HP Agreement for a car and PPI was added and that I paid this for 9 months and then the HP agreement was converted into a standard loan with Blackhorse / Lloyds. I'd be grateful if anyone who understands these agreements can tak
  12. Just had a lovely chat with someone at Mortimer Clark. I'll call him Matthew, for that was what he called himself. He declined to give me his mobile number, employment status or value of rent or mortgage - but I guess that's only fair since I declined the same information. He was very keen to discuss a loan that "their client" apparently bought from BlackHorse some time ago, but since I knew nothing about them and have had a dispute running on it for so long that I'd forgotten it ever existed, we didn't get very far. Hit stalemate regarding the dispute as I wasn't pr
  13. Hello I am new here and desperate for some advice. It's complicated but will try and keep it brief but below is a summary. In August 2006 myself and my now ex husband needed to refinance an existing loan with GE Money a broker referred us to Blackhorse and we were offered a secured loan of £40k. We were categorically told that we could only take the loan if we had the PPI as well even though we said the repayments were way to high to afford. We were convinced by the Blackhorse rep that this was our only option like idiots we signed. The loan agreement stat
  14. hello i am currently in the process of paying off the last 2 of my 9 debts, in total i owed in excess of 10k, over the past few years i have managed to clear a considerable amount, currently im down to £3200 owed to DLC/hillesden on behalf of a car finance loan from blackhorse. all of my previous debts were paid off in full either as a full payment or payment plan over a set amount of months, the last debt totals £3200, in this case i am wanting to send a letter to offer a settlement figure and need some advice. first of all im not sure whether i would need
  15. hi everyone just after some more help I wont bore you with all the details but im trying to claim charges back from various companys while being chased for outstanding debts whilst I have family problems on top. anyway I wrote to Blackhorse giving them a list of charges totalling £235 plus interested at the rate they charged me some total amount was £852.52p they sent me a cheque for £235 which I sent back stating the full amount of £852.52 is payable. had a letter today which reads we confirm that our final response to the complaint as no new evidence has been
  16. Hi all I have an interest in a car which has been purchased using Blackhorse. I'll give you a bit of background info as this might get confusing. my friend owns the car and the finance is in her name, but neither of us could afford the finance if we were paying it alone. I pay half of all costs for unlimited use of the car, and obviously this includes the finance. If she decides to sell I only have to pay 50% of the book value at the time of sale if I want to buy it and if I don't I get 50% of what it sells for so it was a decent idea for me and my friend and
  17. hello guys i need some help after learning a lot from reading on this site I boldly decided to go and checked several of my old documents only to find I had a lot of for it on ppi claims to do. I made a claim to lloyds bowmaker regarding ppi on a car loan found it is now blackhorse (a part of lloyds) first letter said they could not find any evidence of me being on their records, then in response the further wanted a signed copy of credit agreement and proof of payments. I did not have proof of the payments because I could not remember if I payed by payment bo
  18. Hi everyone, as you might tell, I'm new here... I pretty clueless in which direction to go and I desperately need help from people in the know so I'm here as this seems the right place to get different opinions etc... Right, my situation... Back in March 2009 I took a personal loan out for a newish car with Blackhorse Finance, the agreement was for £9,600 spread over £207 payable back over 60months... Originally the agreement was to be on Vehicle Finance terms but for some reason I couldn't get that so they changed it to a personal loan and got it through for some reason... T
  19. Following success with my mum and Halifax my sister got me to SAR Blackhorse they have now sent her 4 agreements including their remortage loan from 2003. Looking at agreements the cost if PPI is high. Her hubby was self employed and she a home help. She is adamant they were told she had to take insurance. The loan agreements are typed and ppi box ticked and their signatures at bottom of agreement. One if the loans she is adamant she didnt tick the box. Should i send a statin sheet for each loan with the questionaire? I am gonna state
  20. Dear Sir/Madam, Ref: [Your PPI policy number] I believe I have been mis-sold a payment protection insurance policy and would like to request a full refund of my premiums, plus interest paid. I took out a £xxx loan at your xxxxx branch at xxxxxxx onxxxxxof October 2007 and got pressurised in to taking out PPI which has cost me an extra £xxxx over the minimum period of the loan. The total amount of my premiums plus interest is £ xxxxx I am a single parent in receipt of benefits and working as a part time teaching assistant on a temporary contract and therefore would not
  21. Hi All, I'm looking for some advice on how to start putting my life back together after spending the last 6 years looking over my shoulder! To cut a long story short after a relationship breakdown and some other personal issues my flat was repossessed in 2008 and Northern Rock sold it on at auction. The flat cost me originally £38500 on a together mortgage and I also took out an additional £6K loan on top of that to clear some debts as well as a £10K loan from Blackhorse (secured) a few years later. I now have NRAM chasing me for a shortfall of £29500 and Blackhorse £17985
  22. Hi I wonder if someone could give me some advice on this please I have a car loan with Blackhorse finance. unfortunatly when my husband got made redundant we were unable to pay the full installments. Blackhorse were very helpful and lowered the payments so we could afford them. we only had a year until it would have been paid off. We have paid regularly and are all upto date with the lowered payments but in December we were a bit late paying. This resulted in Blackhorse passing the debt onto credit style limited. I phoned blackhorse to try to reverse it a
  23. I really need some help with blackhorse and after 20 months of reading thread after thread site after site I'm at a loss. Please could you direct me to someone that could help. The crux of it is it maybe an unlawful repo but that had only come to light as I am fighting a default in credit file. I could be horribly wrong which is why I'm in desperate need of guidance. Vehicle impounded by police 13/02/2012 no insurance (obviously a breach on our part but bit more complicated) Blackhorse refused to let vehicle be released Notice sent by bh 14/02/2012 under sec 76i and 98i agreement to
  24. In may 2009 I bought a car with a Hire Purchase finances from Blackhorse. The car immediately developed terminal problems to the engine and I rejected the car on the on the basis of ‘breach of contract under the supply of good (implied terms) act 1973’. In February 2010 I started court proceeding against Blackhorse and the dealer that sold me the car. In November 2010 I obtained judgement in my favor against the dealer and he had to pay all my costs and losses. Blackhorse retained the car. To date Blackhorse still record a default against my agreement because I stopped making
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