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  1. Back in May 2009 I bought a used car using a 2 year Hire Purchase finance deal provided by Blackhorse. Unfortunately the car (a Volvo) broke down almost immediately and declared 'not reparable' by a Volvo dealership garage. Spent one year trying to come to some understanding with Blackhorse but got nowhere so the matter was referred to the Courts (in the mean time I kept paying Blackhorse until May 2010). My Claim included the rejection of the car and a demand for sustained costs and losses. The Claim was awarded in full by default against the dealer that sold me the car. My Claim has been since satisfied and, in November 2010, the car registration documents were returned (and accepted) to Blackhorse's Solicitors, (the car itself has been under their custody since August 2009 when they requested the car back to obtain a 2nd inspection by an independent garage. A garage report was never produced nor the car was ever returned preventing me from fixing thecar myself). I was fully satisfied by the outcome of the Court case and I was willing to close all proceedings. Recently I have realized that Blackhorse has blacklisted myself and my wife with all the credit reference agencies. This is causing my family a great deal of distress and financial difficulties. Again I have tried to talk to Blackhorse but got nowhere. Clearly this situation is not tolerable any longer. What can I do next?
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