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ronin666

Black Horse Help

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Need a bit of help with Black Horse.

 

Have a HP agreement with them for a car which i have fallen behind on and owe about£1200 in arrears. Sort of stuck my head in the sand about it because i was remortgaging and would have got the funds to pay off the loan in full but this fell thru, and now they have issued court proceedings. Stupid of me i know.

 

From the documents they have sent the court i can see that i am only £200 or so short of having paid 50% of the agreement. They have also listed just under £300 pounds worth of Accrued Late Payment Interest and Fees.

Now my queries are as follows.

1. Can i just pay them the £200 pounds to make it 50% and return the car to them. Or do i have to pay the arrears as well?

2. Can i stall the proceedings by claiming back the fees they have added claiming they are unlawful?

3. Is there anything else they have added like Acceptance fees and Purchase Fees that are considered unlawful that i could claim back.

 

I can burrow the amount required on the Particulars of Claim to cover returning the car from my parents but really need more time to sort out another car.

 

Any help and advice appreciated.

  • Haha 1

Barclays Data Protection Act sent 08/05/06

Received by them 09/05/06

Response letter received from them 11/05/06

Barclays Statements received 24/05/06

First letter to Barclays sent 25/05/06

Response from Barclays received 01/06/06

Moneyclaim filled 14/07/06

Barclays acknowledge 21/07/06

Barclays defense received 18/06/06

AQ returned to court 25/8/06

 

Cahoot DPA sent 08/05/06

Received by them 09/05/06

Response letter with list of charges received 30/05/06

Prelim letter posted 02/06/06

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IMG%5DIMG%5D

Barclays Data Protection Act sent 08/05/06

Received by them 09/05/06

Response letter received from them 11/05/06

Barclays Statements received 24/05/06

First letter to Barclays sent 25/05/06

Response from Barclays received 01/06/06

Moneyclaim filled 14/07/06

Barclays acknowledge 21/07/06

Barclays defense received 18/06/06

AQ returned to court 25/8/06

 

Cahoot DPA sent 08/05/06

Received by them 09/05/06

Response letter with list of charges received 30/05/06

Prelim letter posted 02/06/06

Share this post


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Anyone have any advice on this situation?


Barclays Data Protection Act sent 08/05/06

Received by them 09/05/06

Response letter received from them 11/05/06

Barclays Statements received 24/05/06

First letter to Barclays sent 25/05/06

Response from Barclays received 01/06/06

Moneyclaim filled 14/07/06

Barclays acknowledge 21/07/06

Barclays defense received 18/06/06

AQ returned to court 25/8/06

 

Cahoot DPA sent 08/05/06

Received by them 09/05/06

Response letter with list of charges received 30/05/06

Prelim letter posted 02/06/06

Share this post


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