blackhorse car repo case

[linz2011]

Hi

 

Anyone heard of Close Assistance i have fallen 2 payments in arrears with black horse and they have wrote to me today - have sent SAR to Black Horse a while ago and they will soon be in default - just want to know who they are and what they are likely to do

 

Thanks

[ThisVeryMoment]

They are very keen on litigation where debtorsdo not pay their debts.

 

Instead of wasting time on a SAR, get on that phone and request a monthly repayment schedule.

[jonni2bad]

CLOSE CREDIT MANAGEMENT LTD

 

 

Address:

2 JESSOPS RIVERSIDE

 

800 BRIGHTSIDE LANE

 

SHEFFIELD

 

S9 2RX

 

Other Names:

CASH COLLECTION AGENCY

 

CLOSE ASSISTANCE

This register entry describes, in very general terms, the personal data being processed by:

CLOSE CREDIT MANAGEMENT LTD

 

 

 

 

 

Purpose Description:

The tracing of consumer and commercial debtors and the collection on behalf of creditors. The purchasing of trade debts, including rentals and instalment credit payments, from business.

[jonni2bad]

Have you already entered into any discussion about payments on the debt owed - is there a legitimate reason for them to be contacting you?

[linz2011]

Yes it is for a car I owe money on but I have not contacted them yet not sure what to do really but I do not want to lose my car

[ThisVeryMoment]

Get a cheaper one? Best to stick within your financial limits.

[linz2011]

bump

[linz2011]

Bump has anyone had their car repossessed by black horse?

[ThisVeryMoment]

Well, you soon will!

[linz2011]

Hi advise please ......

 

I called black horse and they said they cannot deal as close assistance were dealing they then transferred me to them, I spoke to an operator who asked how i proposed to pay i said £100 per week she said ok then i will send a customer field agent to see you and they will clarify this - i said noone is coming into my house she then said can you go into his car LMAO I said absolutely no - i will listen to what you have to say and if this cannot be resolved over the telephone then I will write to you but I want to pay £100 today she said i cannot take a payment until it is an arrangement and unless you pay £200 per week I cannot take the payment????

 

I then rang black horse and told them but they said there is nothing they can do

 

Any suggestions????

 

Thanks

What now

[Docman]

Have you not CCA's Black Horse? It would be covered whether the finance was a loan or car HP.

[Bookworm]

These are the threads I have found relating to them, if you want to have a look:

http://www.consumeractiongroup.co.uk/forum/general-consumer-issues/7246-close-assistance.html

 

http://www.consumeractiongroup.co.uk/forum/general-debt/24762-black-horse-finance-car.html

 

I would say first thing to do would be to CCA them, see if they've bought the debt from, or if they're acting on behalf of BH. Either way, don't offer to pay more than you can realistically afford to repay, EVER.

[linz2011]

thanks gonna CCA them today - I have already sent the SAR so will see what happens

 

Thanks bookworm for the links

[mr.ton]

Goodluck to you..hope it get's sorted out.

[spamheed]

Don't speak to them any further on the phone, THEY TELL LIES to get you to pay more than you can afford. these bloodsuckers are on commission, the more you pay, them more they earn, give them as little as possible and make them negotiate in writing

[linz2011]

Hi all

 

I sent the CCA request off and I have today received my £1 cheque back along with a compliment slip saying Please ring this office?

 

What now?

[spamheed]

did you send the CCA rerquest recorded delivery?

 

If so then there is nothing further for you to do. if they choose to ignore your request, or pass it on, it's no longer your problem. the fact that they have returned your checque is immaterial. they still have to provide you with a copy of the CCA

 

you now need to wait for them to fulfil your request

[linz2011]

yes it was sent recorded and they have signed for it - so do i just wait then - dont want them to start repossession of the vehicle!

[spamheed]

they can't do that without going through the courts.

 

They are now legally obliged to prove their title to the debt. wait and see what they come up with next

[linz2011]

thanks

[linz2011]

well no response from the CCA but someone has been to the house today and posted a slip saying a representative had called and please ring to rearrange - I have categorically asked them NOT to send anyone to the house - what do I do now?

[FLWLSW]

Sorry to be facetious but i would be very tempted to send them a recommendation for Janet and Johns my first reading book and suggest they learn.

 

Failing that, write to them again and tell them any representative from their company attending your property would be considered a tresspass and as such, the police will be called immediately and evidence provided that the DCA rep has knowingly committed tresspass.

[linz2011]

Thanks I will - the guy on the phone said they will call again and again and again until I let them in - I said there is no way anyone is coming into my home but to no avail?

[FLWLSW]

Ok, dont speak to the muppets on the phone, write a letter to them stating in no uncertain terms that any representative from their company attending your property is strictly against your wishes and will be viewed as tresspass given that they have had notice. Send it by recorded delivery and also mention that the local police will be furnished with a copy of the request too, so from this point any visitation is wilfully unlawful and you will co-operate with the police in any way you can.

 

Hunny dont worry, if these morons do turn up, dont answer the door, call the police and have them nicked. They are bullying you psychologically and that is not acceptable.

[linz2011]

Hi

 

UPDATE: came to the house four times and left cards through the door - had two discussions on the phone (brick wall) then all went quiet and today I receive a default notice from Black Horse - what do I do now - still not had the CCA and it is well in default?