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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. Compulsory microchipping to improve horse welfare READ MORE HERE: https://www.gov.uk/government/news/compulsory-microchipping-to-improve-horse-welfare
  3. 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?
  4. 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
  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. 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
  9. 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
  10. 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
  11. 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
  12. 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
  13. 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
  14. 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
  15. 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
  16. 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
  17. 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
  18. 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
  19. 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'
  20. Several months ago i received a letter from Idem saying black horse had sold my debt to them at the same time i received a letter in the same envelope from Black horse confirming this, Both letter stated that if i was on a scheme this would be honoured, Black horse froze interest rates on my account in 2007 i was on a repayment only scheme, i thought nothing untoward until i received a letter from idem saying to ring them to set up a payment plan, The amount owed differed from what i actually owed, i rang them and they told me interest was being charged,
  21. Hello everybody - lurked for years but never posted before......Perhaps this is similar to the "free money" thing that other's have experienced with Blackhorse offering compensation for procedural errors. I have been phoned today - 6 July 2015 - by somebody apparently from Blackhorse regarding 3-loan accounts that I had with them way back in 2004. I was mis-sold PPI on all 3 but when a claim was made they only upheld one - in 2012. The operator was very polite and has evidently been given the task of examining whether or not I could remember the circumstances around being offered the loa
  22. Hi Guys, I'm glad i came across this site. I've been doing some in depth reading regarding the process to have an SAR carried out on various lenders etc. In the past I've had the following: Black Horse Loan (2002ish) Applied for my PPI back and told they couldn't find account (now they've been fined 110+ million i'm sure they'l be more helpful Halifax Bank Account BOS Bank Account Birmingham Midhsires Mortgage. I guess my question is can i just send a single SAR to Lloyds banking group HQ (now that they own all these subsiduaries) or will I have to make one to
  23. We bought a car through Black Horse we traded the first car in after a year and got a bigger car and then we traded that one in and got another one thats the back story. We then fell behind with payments and they reposessed the car that was approx 5 or six years ago we were paying a token payment all we could afford to a DCA this went on for approx 3 or 4 years and then we got a letter back from Black Horse saying they were to be paid again not the DCA we have continued to pay a token payment all we can afford there is a balance of approx £9,000 still o
  24. Hi, Ive just come across a thread about BH selling on to Skye, so have started my own.. . I only have 4 months left on the loan after 5 years. I had an agreement with BH that I have in writing, that if I continued to pay the monthly repayments on time (2 years ago) that the added interest, due to a few missed payments and an added 6 months to the term of my loan, without my knowledge, (even they could not see who had done it or why just that the dates had changed ??) that they would remove everything.. they had already removed ove
  25. I am new here but I have been reading about Idem. They have written to my husband only regarding our joint loan being transferred to them. They have given us a new account number and some basic info regarding paying. They have not confirmed what we should pay, or given any in depth info about the balance. What should we do? Is our loan still secured even though we have not agreed for Idem to have this? Is this even legal as I thought the homeowner has to agree security or the company has to get a court order? I am really confused and need some help as
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