Jump to content


  • Tweets

  • Posts

    • Djokovic is back in the news - the BBC has cast doubts on the date of his covid test prior to arriving in Australia. They've done some clever research with serial numbers and QR codes but the Serbian public health authority isn't giving information.   And Nadal is a step closer to his 21st Grand Slam title, which would make him the first male player to reach that. He won't be able to compete in the French Open under France's current rules which require all sportspeople to be vaxxed.   Novak Djokovic: Doubts over timing of Covid test WWW.BBC.COM The BBC has uncovered fresh evidence questioning the timing of Novak Djokovic’s positive Covid test used to enter Australia.  
    • Hi   I could be wrong here so could @namedisplay please clarify if I am correct or completely wrong?   In your post#1 you mention that due to your health issues and your mental state at the time you rang the Training Room and was told it would cost and initial £200 and then £15 per month until you finished the course.   Then further in post#1 The Training Room told you you were not eligible for an extension because you hadn't completed enough of the course.   With the above I now refer Post#12 which mentions your circumstances are covered by 13 in the TTR Terms and Conditions.   What is mentioned above seems conflicting from TTR for the following:   1. IMO that money of £200 and then £15 per month (on top of original Course Fees) was them at that time agreeing to an extension as per 13 in TTR Terms and Conditions   2. Them stating you can't extend Course as not completed enough of Course is not in TTR Terms and Conditions (that I and others can see) (Note they could be referring to 15 in TTR Terms and Conditions)   Can you clarify the above and were you informed those extra costs were due to an extension of your Course.   Again I will ask did you provide the Training Room with Medical Evidence when you asked the above?   We also still need to see the Letter from Training Room Threatening Legal Action (fully redacted) which you still haven't posted?   You need to send The Training Room a Subject Access Request (SAR) asking for 'ALL DATA' that simple phrase means whatever format they hold that data in whether it be written, email, recorded phone calls etc.   They then have 30 Calendar Days to respond to your SAR Request and that Time Limit only starts once they have acknowledged your SAR Request. They can extend that Time Limit if they need to prove identity before actioning the SAR Request so be aware of that.   A SAR Request is now FREE and make sure you get Free Proof of Posting from the Post Office     Your right of access ICO.ORG.UK   Can you please make sure you answer the questions asked of Caggers to assist you    
    • I've been trying to resolve a issue with 8 PCN issued by Tyne Tunnel 2 (tt2.co.uk). Tyne Tunnel 2 is a gated toll charged tunnel to cross the River Tyne in Newcastle. We moved in recently so all a bit new to us. My dad had been using the tunnel about twice a week and he had been paying cash for the toll fee at the booths. At some point in November 2021 they had done some constructions where the gates had been closed and payments had transitioned to online methods. My dad had been oblivious to this and been on his merry way multiple times thinking that he doesn't need to pay. So he received the first PCN some where end of November which had been issue on the 26th after which point I went on alert and sorted out the online accounts and such. However the current total of fines has amounted to £255.20 and I have appealed explaining that soon as the letters were received we have resolved the issue but they insist on us paying 8 PCN. I feel it's unfair that the fine is for the same offence which we couldn't have rectified or known until we received the first PCN letter and after the first PCN we have rectified it so feel they are being bit draconic. Any advice on this matter? 
    • No need to apologise! I am extremely grateful for both your help   Gosh very good attention to detail going on here   Great thank you, i will put them back as below   Good evening to you   DEFENCE   1.     The Defendant contends that the particulars of claim are vague and generic in nature. The Defendant accordingly sets out its case below and relies on CPR r 16.5 (3) in relation to any particular allegation to which a specific response has not been made.     2.     Paragraph 1 is noted. It is accepted I have in the past had agreements with Lloyds TSB. I do not recall the precise details or agreement nor the claimant either, having failed to provide an agreement/account number within its particulars of claim and have therefore sought verification from the claimant.   3.     Paragraph 2 is noted but until such time the claimant can clarify the agreement account number any breach has yet to be proven.      4.     I am unaware of any legal assignment or Notice of Assignment allegedly served by either the Claimant or Lloyds TSB pursuant to the Law of Property Act 1925.   5. Paragraph 3 is denied. I am unaware of any Notice of default served.   6.     It is denied with regards to the Defendant owing any monies to the Claimant. The Claimant has failed to provide any evidence of the Agreement/Assignment/Default notice or Termination requested by CPR 31. 14.    Therefore the Claimant is put to strict proof to: a) show how the Defendant has entered into an agreement ; and b) show how the Defendant has reached the amount claimed for; and c) Show or evidence a Default Notice /Notice of Sums in Arrears, d) show how the Claimant has the legal right, either under statute or equity to issue a claim;   7.     As per Civil Procedure Rule 16.5(4), it is expected that the Claimant prove the allegation that the money is owed.   8.     On the 5th of January 2022 I requested to The Claimants Solicitors, Mortimer Clarke by way of a CPR 31.14 copies of the documents referred to within the Claimants particulars to establish what the claim is for. Mortimer Clarke have failed to fulfil my CPR 31:14 request.   9.     On the 5th of January 2022 I made a section 78 legal request to the claimant for a copy of the Consumer Credit Agreement. The claimant has as of 27/01/22 failed to comply.   10.  By reason of the facts and matters set out above, it is denied that the Claimant is entitled to the relief claimed or any relief.
  • Recommended Topics

  • Our picks

  • Recommended Topics

Car Land & Black Horse Dilemma


jo5ephedward5
 Share

style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5667 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

JUST NOTICED THIS IS IN THE WRONG 'GENERAL' SECTION - CAN SOMEONE PLEASE MOVE IT TO THE CORRECT PLACE.

Hello,

 

Now I’m not sure weather this should go in vehicle retailers and manufactures, garage services or finance under Lloyds so as it mentions all 3 I’ve posted here…Mods feel free to move it!

 

 

 

The Saga:

 

Feb 2005 I brought a Vauxhall Corsa 1.0litre 12valve Club from CarLand in Cannock using Black Horse for the financial side…now I knew then this was a mistake but I needed a car for work and I couldn’t get credit at the time with any other lenders (even Yes said No!!! – thank god).

 

I have never missed a payment but I now owe more than my car was worth 17months ago

I need to either sell or return this car as I have since moved to central London and haven’t even driven the car since January this year, yet have to pay to insure it and tax it as I only have on-street parking, I’m at a loss and hope some one can help me!

 

 

 

Here’s my issues:

 

CarLand:

 

1: they sold me a product called ‘Suregarud’ this is a paint protection plan and the salesman said it should be £299, but it was ‘in with the deal’. Now in with the deal I assumed was free…however upon going through my financial records today it has become apparent they have charged me £100 for this (of course interest is added over the 6 year agreement!!!) – I never had this product applied as I never got round to it and feel that firstly I was mis-sold it but secondly as I have never received the treatment / product then I should be able to get it back plus the interest?

 

2: They sold me a ‘warranty’ that was £800 for 12 months, again this has interest on it and is paid over 6 years…now I remember him taking to me about it and me saying no thank-you, I defiantly had this conversation with him as my dad used to be a mechanic so would be able to fix anything that could go wrong with the car for a lot less than £800 in the first year – bearing in mind the car was under 3 years old at the time of purchase so shouldn’t have been giving me 800quids worth of issues in the first 12montsh of ownership. The order has been ticked to show I didn’t want it then crossed out and ticked to say I did want it with the salesman’s signature next to it, I’m adamant that I didn’t want this product I would never pay £800 over 6 years for a 12month product (if that makes sense) and surely if the order had changed I should have initialled the form to say I had changed my mind not him?

 

3: When sold the finance no-one explained to me what it was i.e.: HP or Loan etc – I know it would have been in the terms and conditions but the sad truth is I was so happy I could get back on the road in something new that I didn’t care! – my bad, but it should have still been made clear imo

 

4: I had a part exchange on an old Mark 3 Astra – I said £100 would be fine but checking it they gave me £1…it was worth more than that for scrap and it still had full MOT and run well!

 

Black Horse Finance:

 

1: I assumed as it was a car this was a HP agreement – I called to asked how much I had paid (£2700) and asked if I could terminate it and hand it back as this was over half of the cost of the car (£4900). They said it’s not a HP agreement and it’s a Personal Loan, as I was told as it wasn’t a HP agreement I asked could I sell the car, they said yes I could sell the car, yet upon doing a HPI check the finance is outstanding and linked – can they do this as they surely cant have it both ways? Wither an unlinked loan or linked HP?

 

2: the loan was for £9000 the car was £5000 – 4900 for the car and 100 for the Suregaurd that I never had applied, the rest is interest…can they really add all the interest in one lump and not apply the interest daily? Now I owe £6300 for a car I brought 17 months ago at £4900 after paying £2700 off it!

 

3: The ‘extras’ Gap insurance, Service plan, (which I wanted) and the warranty that I didn’t ask for but have signed for, are run under a different loan, again they had set prices, then the interest was added in one lump and spread over 6 years – this loan was approx £2000 and I owe around £1600 still, why is this separate…it should have been in the same shouldn’t it?

 

My problem is it shows on my credit file as me having over 11K of loans (albeit with some paid off) to black horse when In reality I am paying for stuff I don’t/didn’t want and also showing I owe more than I brought products for in the first place…how can I start to sort this mess out as calling them seems to get me pushed from person to person.

 

Sorry it’s long winded people….any questions lol? :sad:

People who haven't made mistakes, haven't made anything!

 

Link to post
Share on other sites

carland were in the wonderful position where you needed a car and they could provide one AT A COST

black horse were in the position were they were the onlt ones who would give you finance AT A VERY BIG COST

it looks like you have no comeback but if the car was purchased on a personal loan, then you have the right to sell the car. you are still left with a big difference.

 

i would park the car in the worst part of town and hope nothing happens to it

Link to post
Share on other sites

carland were in the wonderful position where you needed a car and they could provide one AT A COST

black horse were in the position were they were the onlt ones who would give you finance AT A VERY BIG COST

it looks like you have no comeback but if the car was purchased on a personal loan, then you have the right to sell the car. you are still left with a big difference.

 

i would park the car in the worst part of town and hope nothing happens to it

 

believe me there is nothing i would like to do more...but its a corsa...no one wants it, i'd fire the thing but cant bring myself to do it!

 

if i could sell it then at least i'd have say 2 - 2.5K in my pocket to clear other stuff like my credit card etc...

 

mmm - surely there must be something i can do about the 'mis-sold' warrenty?

People who haven't made mistakes, haven't made anything!

 

Link to post
Share on other sites

mis-sold warranty??

they will say that you were obviously blinded by the shinny paint and you were probably given a cooling off period.

 

 

no-one wants it???

you did.... LOL

 

i didnt (lol) - it was all they had in my price range, and i needed a car

 

how can i be blinded by the sales man changing the boxes i ticked from no to yes and HIM signing it to say he'd altered what i had put...

People who haven't made mistakes, haven't made anything!

 

Link to post
Share on other sites

i am having troubles with black horse as well, made worse by the fact that i bought an MG a month or two before they went bust!

 

i have missed a number of payments in the past, but i am hoping that i can claim back for these.

 

i am sure that i read on a website (debtline maybe) that if you offer to return to the car voluntarily you are only liable for half the remaining debt. but i suppose this would depend on which kind of debt it is, i too assumed HP. does anyone know anything further about this?

Link to post
Share on other sites

Nick this thread is here now : http://www.consumeractiongroup.co.uk/forum/general-consumer-issues/14629-black-horse-car-land.html#post112918

i think this one is in the wrong place and will be deleted soon - see my last post on the new link it may be informative to you

People who haven't made mistakes, haven't made anything!

 

Link to post
Share on other sites

  • 3 weeks later...

I have a similar issue so this advise has been good -

 

Defo send the CCA and they should have to drop the Extra Care collection efforts to - tho they may keep handing it to other collection agencies!

 

they have also defualted my account - can i use the grounds of no paper work as lea-way to get this removed? - i hav eseen the Defualt threads but as there is no paper work so no enforcable debt how do you tackle it?

People who haven't made mistakes, haven't made anything!

 

Link to post
Share on other sites

 Share

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...