Blakhorse mis-sold ppi as self-employed

[lizzy40]

I wouldn't worry that this is there final reponse letter as I had 3 of those letters before they admitted mis selling.

 

They seem to be admitting a system error but still not excepting the policy wasn't any use to you. Why would you take out a cover if they are in there words not recommending it due to their inadequate questionaire.

[lizzy40]

Can I just confirm something Lou on the questionaire does it state that you require involuntary unemployment cover for an employed person or as an self employed persons?

 

I'm not sure but don't think there are policies for involuntary unemployment cover for self employed maybe someone can answer this?

 

One of the argruments I had with my company was. If I did want PPI cover why would I choose a policy that doesn't cover me fully as it would an employed person why would I pay the same premiums as the employed person and cant make full use of the policy.

 

Black horse are trying to delude you they are wrong.

[hellhasnofury]

Can I just confirm something Lou on the questionaire does it state that you require involuntary unemployment cover for an employed person or as an self employed persons?

 

I'm not sure but don't think there are policies for involuntary unemployment cover for self employed maybe someone can answer this?

 

One of the argruments I had with my company was. If I did want PPI cover why would I choose a policy that doesn't cover me fully as it would an employed person why would I pay the same premiums as the employed person and cant make full use of the policy.

 

Black horse are trying to delude you they are wrong.

 

I totally agree with your lizz, they are trying to delude you so they don't have to pay up.

[loukim]

right so were do i go from here HHNF i sent you a pm so you can hopefully let me know the correct figure i should be asking for,once that is done do i send them a LBA given them the amount i require with 14 days notice:confused:

 

iam going to need all the help with this as i dont want the b******S getting the better of me:(

[loukim]

Sorry Lizzy what it says is employment details mr****** self employed and it says on the policy unemployment refer to section c and in section c its says no cover for self employed

also on the demands demands it says we purchased an non-recommended ppi (what a load of s*** ) would have not gone against or agreed to and insurance which would could not claim on these bloody people do things so to cover there A*** but still they have on my loan agreement it says life accident and invol unemployment but they are saying this is a typing erro and should say crittle illnes as the policy we took would automaticly go to to critical illness as self-employed are not covered by invol unemployment:eek: what done this mistake on 2 PPi

 

Got to laugh really its a bit like me saying i will pay full comp for my car insurance but agree to only get 3rd party cover:rolleyes:

[lizzy40]

Hi Lou they have messed up big time how do they think they can get away with selling a policy when they knew it wasn't suitable.

 

Ist - Why would you purchase a non recommeded PPI who benefits from that? Them of cause.

 

2nd - Did they at any time say I'm very sorry but we cant sell this policy to you as its not suitable. Dont think so.

 

3rd - How much money did the sales adviser earn from you taking out a policy which wasn't suitable? Will they tell you that, don't think so.

 

And as for the typing error on a document as important as that its just not exceptable. If the typing error was to your advantage would they have honered it, don't think so.

 

Although you said this letter you recieved today was a response from a FOS letter Black Horse had received. What does the FOS say about all this?

 

I'm sure HHNF will guide you in the right direction as what to do next but you can wipe the floor with then, so many errors.

 

Another thing if you do call them which isn't usually a good idea as everything needs to be in writing but if you do make sure you record all your conversations.

 

Don't spend all weekend worrying over it Lou you have been mis sold and the truth will come out...

[loukim]

hi lizzy

 

yes the letter was a response to the letter they had received from the FOS.

I will ring the FOS tomorrow, but should i do in the mean time? iam waiting for HHNF to come back with the correct amount i should be asking for, then do you think i should send a LBA or what?

 

Anybody got advice please:x

[hellhasnofury]

hi lizzy

 

yes the letter was a response to the letter they had received from the FOS.

I will ring the FOS tomorrow, but should i do in the mean time? iam waiting for HHNF to come back with the correct amount i should be asking for, then do you think i should send a LBA or what?

 

Anybody got advice please:x

 

Hello Loukim.

 

Did you not get the message I sent you back yesterday. I need more info

[lizzy40]

Lou i'm not hot on all the procedures I can only go by my experience with a similiar situation I have had.

 

Fisrtly I would speak with the FOS on Monday. I would imagine the FOS have already posted a letter to you with the reponse to the letter you had from Black Horse. They will look at the evidance Black Horse have provided and if they feel its correct then it will be down to you to provide evidance showing the mis selling. Going on what you have said it is crystal clear they haven't provide the proper advice and they have made so many errors, the FOS will see this and most probably challenage them.

 

As you have already involved the FOS I would wait until you know the FOS's position on the matter. If you decide to take court action which HHNF will advise it doesn't matter if the FOS are in involved you can do both.

 

Good luck tomorrow and I hope this has been helpful...

[lizzy40]

Any news from the FOS!

[loukim]

Any news from the FOS!

well phoned Fos this morning just said to fax them over all the documents i have and the letters i had received fron blackhorse so have done that:idea: .

 

Phoned blackhorse spoke to the chap who wrote the letter he didnt want to know so written a long letter pointing out all they have done wrong:-x

 

but i'm so p***** off to say the least spent about two hours putting this letter together went to print it off and you guessed it ink run out:-o so i went into town and yes thats right the shop has none either will not be in till morning:mad: so will sent blackhorse fax tommorrow.

 

Thanks for asking will let you know as soon as i here anything from the high street thiefs blackhorse:sad:

[lizzy40]

Not a good day then Lou when it rains it pours....

 

Not sure why the FOS didn't get a copy of this letter from Black Horse, anyway you have done exactly what I would have done - forward all correspondence to the FOS. Even the 2nd letter you have just sent, send a copy to FOS to add to your file.

 

Lou it does sound like a fob off letter they haven't invistigate your complaint fully I'm sure the FOS will see this.

 

Let us know what the FOS say?

[loukim]

Not a good day then Lou when it rains it pours....

 

Not sure why the FOS didn't get a copy of this letter from Black Horse, anyway you have done exactly what I would have done - forward all correspondence to the FOS. Even the 2nd letter you have just sent, send a copy to FOS to add to your file.

 

Lou it does sound like a fob off letter they haven't invistigate your complaint fully I'm sure the FOS will see this.

 

Let us know what the FOS say?

 

They state on their letter this is our final response:-o not to worried as they have so many things they have done wrong as in their letter they say my husband is not covered by Invo-unemployment but on ALL my documents its says he is and all the can say is it due to a system error that this was put on our paper work he should of been covered by critical illness which comes into place automatically, but what the dont say is this also says on their policy this happen if employment changes to self-employed after the start date of the policy and clearly his employment status has not changed from the day one as all documents say SELF-EMPLOYED from day one!

Got to laugh:rolleyes: they have made the same error on not one but two loans they will try anything as for ever 10 letters they send out like this if just one person takes that as gospel they save themselves money.

 

So the fight goes on:D and i will not go down easily

[hellhasnofury]

They state on their letter this is our final response:-o not to worried as they have so many things they have done wrong as in their letter they say my husband is not covered by Invo-unemployment but on ALL my documents its says he is and all the can say is it due to a system error that this was put on our paper work he should of been covered by critical illness which comes into place automatically, but what the dont say is this also says on their policy this happen if employment changes to self-employed after the start date of the policy and clearly his employment status has not changed from the day one as all documents say SELF-EMPLOYED from day one!

Got to laugh:rolleyes: they have made the same error on not one but two loans they will try anything as for ever 10 letters they send out like this if just one person takes that as gospel they save themselves money.

 

So the fight goes on:D and i will not go down easily

 

Hello Loukim

 

Yeah just keep that thought, and never mind that it is their final response, it won't be yours.

 

Did you get my message about the refunds, can you let me know

[loukim]

Hi HHNF

 

Sorry been really busy, yes i phoned blackhorse yesterday to try and get some answers to the question you asked, they said they would ring me back yesterday, still waiting for call, will try and ring them again today:rolleyes:

 

i know one thing i will p*** them off before they P*** me off:-D

 

 

the fight goes on my the best person win (and thats me blackhorse)

[loukim]

Well no letter in the post today....must have their thinking caps on:rolleyes:

[loukim]

Phoned blackhorse today spoke th chap who wrote the letter to me.... he said he had received my letter by fax quite funny really as yesterday he was so rude on phone and i would'nt rise to his bait, he said neither me or mr***** had read the PPI correctly and if we had done so in the beggining we would have know we was not covered by Ivol-unemployment and was only due to the system error that this shows on our policy's..... i was quick to point out this is your profession and if can't get a legal document done correctly how on earth are we ment to understand

......... but today he was all calm & polite.

said there would be a letter in the post to me with answers to my letter i faxed over........lets see what they say this time:confused: cause i bet its not what i want to hear:rolleyes:

 

 

Bring it on!!!!!!!!!!!!

 

Essex girl round one ding ding!!!!

[lizzy40]

Hi Lou,

 

Just because you signed and returned the agreement doesn't make it right.

 

PPI cover would have been suitable if it covered you for involunatary un employment but has turned out it doesn't. If your business isn't doing very well due to what ever reason, the only way you probably would have been covered by this policy if you made yourself bankrupt and you cant make yourself redundant. So your paying for a policy which isn't covering you fully if say for an employed persons.

 

As for the system error what they probably mean the sales adviser put the wrong information into the computer. Big bad error on there behalf.

 

It all comes down to the same ending the policy wasn't suitable for you and they shouldn't have sold it to you. Even if you beged them...

[loukim]

Hi Lou,

 

Just because you signed and returned the agreement doesn't make it right.

 

PPI cover would have been suitable if it covered you for involunatary un employment but has turned out it doesn't. If your business isn't doing very well due to what ever reason, the only way you probably would have been covered by this policy if you made yourself bankrupt and you cant make yourself redundant. So your paying for a policy which isn't covering you fully if say for an employed persons.

 

As for the system error what they probably mean the sales adviser put the wrong information into the computer. Big bad error on there behalf.

 

It all comes down to the same ending the policy wasn't suitable for you and they shouldn't have sold it to you. Even if you beged them...

 

Hi Lizzy

 

have e-mailed you catch up later:-D

 

i agree with you 100% they are just trying their luck.....

[loukim]

Its 7 days up today since i wrote to blackhorse given them 7 days to reply to their last letter tell tell me its their:mad: last responce.......

 

Yes you guessed it no letter no phone call not a bean:confused:

so faxed then an LBA:p lets see what happens now given them 14 days then its off to court:shock:

[hellhasnofury]

Its 7 days up today since i wrote to blackhorse given them 7 days to reply to their last letter tell tell me its their:mad: last responce.......

 

Yes you guessed it no letter no phone call not a bean:confused:

so faxed then an LBA:p lets see what happens now given them 14 days then its off to court:shock:

 

Excellent you keep at them, don't let them away with a thing. Bet they don't ignore the N1 that may come swinging there way:D if they don't play the game

[loukim]

Excellent you keep at them, don't let them away with a thing. Bet they don't ignore the N1 that may come swinging there way:D if they don't play the game

Hi HHNF:D

 

Thanks for your help with everything:)

 

and yes i gave them 7 days to reply and they did'nt so i have done as i said i would faxed the LBA as i think you have to keep to the time table you set........dont want them to think i'm a soft touch!!!!!!!!

 

Yes this old essex girl has got some fight in her:eek:

[The D.A]

I would reccomend anyone reading this thread to follow the link to the petition set up to raise awareness of the overpriced selling on PPi, with loan agreements.

 

Petition to: Prohibit loan companies from selling payment protection insurance with credit agreements.

 

spread the word, too many people are being steered towards taking overpriced ppi, in spite of the FSA's efforts to regulate the industry

[Will Scarlet]

Sorry to highjack the thread - which address did you use for complaints to BH regarding PPI?

Thanks

[loukim]

Sorry to highjack the thread - which address did you use for complaints to BH regarding PPI?

Thanks

Hi Scarlet:-D

 

i sent my letters to,

Written Hand Complaints

blackhorse

116, Cockfosters Road

Cockfosters

Hertfordshire

EN4 0DY

 

Phone 0208 4472066

Fax 0208 4472662