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    • I don't know much about this area of law but what you are saying about the continuation of a restored company makes perfect sense. I can scarcely imagine that it is any other way. How much money are we talking about here?
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    • as such there isnt one.  but that DN says 28 daya, should state a date in the format dd/mm/yyyy   and no IP address of signup PC either. lowells lose so many times on these issues 
    • Dear CAG,   Please advise on the following problem.   I have a friend who was very very ill since 2017. He had problems with his heart. After a number of heart attacks, he had a quadruple bypass in January 2021. (His bypass was to have taken place during 2020 but of course, it was delayed due to covid)   While he was waiting for the bypass operation, his company was struck off by Companies House in 2019 because he failed to send the company accounts and other documentation. He failed to send them because of his illness.   He made full recovery after his operation and he then restored his company as soon as he was able during 2021.     Prior to his illness his company was appointed as a commission sales agent for a manufacturing company (based in UK) in 2016 . During 2017, his company won a contract for this manufacturing Company for the first part of an engineering project.  His commission was paid in full by the manufacturing company after they were paid by the end user.   Even through his illness and heart attacks he was able to complete the second sale for the second part of the same engineering project. As a result, the manufacturing company won the contract for the second part during 2020. The manufacturer owes his company commission from the proceeds of this second order they received from the same end user customer.   The manufacturer refuses to pay the commission owed to his company saying that as it had been struck off, they are no longer obligated to make the payment. Any arrangement that was made prior to the company being struck off and for that reason, is null and void.   Our view is that the company being struck off is irrelevant because   a.       It is a continuation of the same project b.       The company has been restored. c.       The dissolution was merely due to an administration issue with Companies House as a consequence of his illness.   As the company has been fully restored the debt owed by the manufacturer is still valid, they are liable and they must pay.   According to the guidance notes on Companies House Website (https://www.gov.uk/government/publications/company-strike-off-dissolution-and-restoration/strike-off-dissolution-and-restoration)   Guidance. Strike off, dissolution and restoration Updated 24 March 2021   11.8 Once a company has been restored by the court When a company has been restored to the register, the general effect is that a company is deemed to have continued in existence as if it had not been dissolved or struck off the register.   My friend is claiming the payment owed to his company. However, he may have to take legal action as I think the manufacturing company feels that they have the upper hand because his company has been struck off.  Even though it has been restored, the payment is no longer owed to the sales agent.     Will my friend be able to serve a writ on the manufacturer as a last resort so he could get his money?   Please advise your views and comments on this situation so I can advise him and we an consider the next steps.   Thank you Wrecked.    
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Blackhorse PPI V Me **WON**


tracyab1972
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Hello Tracyab,

 

Personally I would contact them and cancel the ppi now, it will be less money they take from you.

 

Have a look at this linkConsumers to benefit from PPI refunds agreement

 

They will refund the amount left into the balance of the loan, this is their standard practice. but do not agree to start a new loan or sign any future credit agreement, they cannot make you do this.

 

You then reclaim the amount you have paid to them

If any of my posts are helpful, please feel free to click my scales. All information is given as my opinion only, based on my own personal experiences. I have no legal training, but have educated myself in aspects of consumer legislation. My motto "NEVER GIVE IN, NEVER SURRENDER", THERE IS A WAR ON YOU KNOW

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  • 7 months later...

my son took out a loan with the blackhorse he was sold ppi with the loan gold cover which covers for unemployment .

In order to claim on the insurance it states you have to be employed for 6 months .

 

On the form my son stated that he had only been in the job for one week he got a £8000 loan with ppi insurance,

when to tried to claim a couple months after because the had a baby that was born premature and seriously ill and they also had a two year old daughter that my son found it impossible to work.

 

they refused his claim when he found it impossible to work the baby was in hospital for 6 months .

 

when my grandson lost his fight for life they still could not claim even though he should never have got the loan or been sold the ppi insurance

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Lipypop

Your story has touched me.

I have a a complaint against Black Horse they are the worst IMHO for mis selling PPI.

Is the loan still active if it is then send them a template letter staing what you have told us here and ask that the PPI is cancelled and you want a refund on the single preimum that was paid.

If you need more help please update your thread and I willdo my best to help I am no expert by the way just have a little knowledge

Lloyds TSB (SARS) request sent 9th June 2006

£2191 Moneyclaim Issued 11/08/2006, Acknowleded 17th August Defence 14 Sep, AQ returned 5/10/2006.SETTLED IN FULL £2,670 26/11/2006/ Lloyds Credit Card SETTLED IN FULL £267

MBNA SETTLED IN FULL 15/09/2006 £829

Citicard (SARS) request sent 22nd June 2006 Moneyclaim issued 19th Sep, Defence and AQ received 5/10/2006, AQ returned 5/10/2006, part refund received 10/10/2006

GE MONEY SETTLLED IN FULL £400

Barclaycard Me and Mrs SARS sent 19/10/2006 settled £350

Welcome Finance PPI 2 accounts one settled £1018 waiting on other

GE Money PPI 1 account settled 8/5/2008 £560 2nd account SETTLED IN FULL £3,599.78p 15thAugust 2008

Lloyds TSB PPI CC complaint sent 10/04/2008

Black Horse PPI with FOS 20/05/2008

HFC PPI complaint sent 22/05/2008

 

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Tracy sorry you are the OP also the same applies to you i think

Lloyds TSB (SARS) request sent 9th June 2006

£2191 Moneyclaim Issued 11/08/2006, Acknowleded 17th August Defence 14 Sep, AQ returned 5/10/2006.SETTLED IN FULL £2,670 26/11/2006/ Lloyds Credit Card SETTLED IN FULL £267

MBNA SETTLED IN FULL 15/09/2006 £829

Citicard (SARS) request sent 22nd June 2006 Moneyclaim issued 19th Sep, Defence and AQ received 5/10/2006, AQ returned 5/10/2006, part refund received 10/10/2006

GE MONEY SETTLLED IN FULL £400

Barclaycard Me and Mrs SARS sent 19/10/2006 settled £350

Welcome Finance PPI 2 accounts one settled £1018 waiting on other

GE Money PPI 1 account settled 8/5/2008 £560 2nd account SETTLED IN FULL £3,599.78p 15thAugust 2008

Lloyds TSB PPI CC complaint sent 10/04/2008

Black Horse PPI with FOS 20/05/2008

HFC PPI complaint sent 22/05/2008

 

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  • 8 months later...

Hi

 

Im looking for help reclaiming PPI from Blackhorse.

I took out a loan with them in 2006.

My loan was for £1500 and

the monthly payment for the loan would be £60.96

they added PPI totalling £506.53 and

the monthly payment for that was £13.69.

This meant my monthly payments would be £74.67.

 

I paid this amount for 2 months then got a further loan with them.

The new loan (which includes the first loan) amounted to £3000.

Loan amount of £90.03 a month and PPI of £23.63 a month.

Monthly payments of £113.66.

 

I paid this amount for 13 months until I realised that I was mis sold PPI and cancelled the PPI with them in October 2007.

My payments with Black Horse without the PPI are now £102.00.

Firstly can I ask anyone if they know why my payments are not £90.03 as the PPI is now taken off and where can I find a spreadsheet to calculate the interest.

 

I have calculated that they owe me £13.69 x 2 and £23.63 x 13, but still querying why I am not paying £90.03.

 

Any help would be appreciated.

 

Thank you:D

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Hello Tracy,

 

The ppi would have been a single front loaded policy, this means that you pay the majority off at the start of the loan and when you cancel they refund what you haven't pay into the balance of the outstanding loan. So there is not that much refunded and this is why your payments don't reduce by much.

 

Many ppi's do not even cover the term of the loan, If you take out ppi on a 5yr loan, it may only cover you for 3yrs:mad: So if you needed to claim in year 4yr, well you ain't covered.

 

Start the reclaiming process stating your reasons for mis-selling

If any of my posts are helpful, please feel free to click my scales. All information is given as my opinion only, based on my own personal experiences. I have no legal training, but have educated myself in aspects of consumer legislation. My motto "NEVER GIVE IN, NEVER SURRENDER", THERE IS A WAR ON YOU KNOW

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  • 1 month later...

Hi

 

Can anyone tell me where on the site I can find a template for a LBA for PPI. I have sent off the request letter nearly 5 weeks ago to Blackhorse asking for mis-sold PPI and received a letter back saying they were investigating and I would hear when they have finished their investigation. I want to send an LBA as I think they have had enough time.

 

THANKS

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Hello tracy,

 

Have you sent a Subject Access Request? IMO I would suggest a SAR first, so you can obtain all of the data blackhorse hold on you and your loan.

 

Data Protection Act 1998 - Subject Access Request

 

This will give them 40 days to provide a true copy of your credit agreement, terms and conditions applicable to that agreement, up to date statement of account, and any other files, documents, recordings they have referring to you and your account. If they do not provide a satisfactory response within the 40 day statutory period or you believe there is missing information you can then complain to the Information Commissioners Office for their failure to comply with the Data Protection Act 1998. I would suggest you gather and prepare before proceeding to Court.;)

 

Can you post what grounds you are claiming mis-selling on please?

 

Have you seen all the information in the stickies at the top of the forum?

 

If you also go to the Financial Ombudsman Service they will be able to offer advice to you to get you started the FOS takes longer but removes the burden of Court proceedings especially if you do not have the full set of documentation.:eek:

 

Hope this helps but here is the LBA link for you should you decide to proceed down that route.

 

Letter before action - Bank charges

 

you can use this for PPI as well.

 

aa

I have no legal training and the advice I offer is a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner.

------------------------------------------------

Bank charge successes:

Halifax - Full settlement incl interest.

HSBC - Settlement, goodwill no admission of liability about 75% of claim.

RBS - Settlement, goodwill no admission of liability about 70% of claim.

2 ongoing claims for bank charges with HSBC with more to come. (Supreme Court ruling could have upset these claims) They did :mad:

PPI Successes

PPI 4 settlements on 9 loans. FOS involvement on 7 added on the 8 % Statutory interest another 30% to both.

2 claims settled in full with LV without FOS involvement.

2 claims settled in full with HSBC without FOS involvement

 

PPI Claims ongoing with:

Cap one Now with the FOS

Barclays. Paid up today 24/04/10 cheque received for over £4,500 and in the bank.

LTSB still have to decide on this as their SAR production was abysmal. Papers data mixed up documents missing etc

 

1 Complaint not upheld by FOS they said it was ICO issue. Complaint upheld by ICO. See this..

Post 290 from

***RBS PPI Claim Long fight but, WON***

 

Please do not PM me for advice as it may be sometime before I can respond.

 

Keep at them. Do not give way and do not accept all they tell you, they will delay and stall for as long as they can to prevent repaying you your mis-sold PPI.

 

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Hi Alanalana

 

Thanks for your help. Yes I do have a SAR. I sent off for that ages ago and have now sent my letter with a breakdown of the charges to them. I believe they have missold me the PPI as when I took out the loan I was never given an option of whether I wanted it or not. I was lead to believe that it was compulsory or I wouldn't get the loan.

 

Thanks again:D

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  • 3 weeks later...

Lba For Ppi

 

already posted in your other thread.

 

tracyab you do not need to start a new thread for every post you can save the thread to your favourites and keep going back to it.

 

Just go to the submit reply at the bottom of your thread. This keeps you with one relevant thread with all the info in it:)

 

aa

I have no legal training and the advice I offer is a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner.

------------------------------------------------

Bank charge successes:

Halifax - Full settlement incl interest.

HSBC - Settlement, goodwill no admission of liability about 75% of claim.

RBS - Settlement, goodwill no admission of liability about 70% of claim.

2 ongoing claims for bank charges with HSBC with more to come. (Supreme Court ruling could have upset these claims) They did :mad:

PPI Successes

PPI 4 settlements on 9 loans. FOS involvement on 7 added on the 8 % Statutory interest another 30% to both.

2 claims settled in full with LV without FOS involvement.

2 claims settled in full with HSBC without FOS involvement

 

PPI Claims ongoing with:

Cap one Now with the FOS

Barclays. Paid up today 24/04/10 cheque received for over £4,500 and in the bank.

LTSB still have to decide on this as their SAR production was abysmal. Papers data mixed up documents missing etc

 

1 Complaint not upheld by FOS they said it was ICO issue. Complaint upheld by ICO. See this..

Post 290 from

***RBS PPI Claim Long fight but, WON***

 

Please do not PM me for advice as it may be sometime before I can respond.

 

Keep at them. Do not give way and do not accept all they tell you, they will delay and stall for as long as they can to prevent repaying you your mis-sold PPI.

 

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hi, tracey,

I have had the same response off blackhorse. they are one of the worst to claim off. if your loan is before Jan 05 they are not regulated by the FSA.

in the end i found a solicitor to take my claim on.

thought this was the best option, with them playing hardball so can i.

Oh & the solicitor has funding to cover insurance incase of loss, so i have not had to pay anything. i get 100% of my claim + interest + compansation, also their looking to make the loan unenforceable.

dont give up if it gets hard there are options out there.

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  • 2 weeks later...

Hi

 

I have just had a phone call from a company asking if I have an HP agreement for car finance, as they can investigate if my agreement is unenforceable. I told them I wasn't interested as I would be able to do this on my own. Is there anywhere where I can read more about this and may be get my credit agreement checked or is it better to go with one of these companies.

Thanks

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If you want an opinion on whether its' enforceable or not - post it on CAG - remove anything that is identifiable and we'll tell you what we think

If I've helped feel free to add to my reputation.

 

I am not a Practising Lawyer. My comments are my opinion only. You should not rely upon those comments and should always take your own professional advice from a practising Solicitor or Barrister

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Hi

 

I have uploaded an agreement I have with Blackhorse for a loan.

The attachment named Blackhorse 1 was sent to me by BH when I requested missold PPI back from them.

 

The second attachment is the credit agreement that they sent to me after I took out the loan.

The differences between the two are that the copy of my agreement (attachment 2) does not have my signature on it, but the agreement they sent to me (attachment 1) has my signature on it twice

 

. I do not have a copy of the agreement that they sent to me (attachment 1).

 

I would be grateful if someone could have a look at this for me.

 

 

http://i614.photobucket.com/albums/tt223/tracyab1972/Blackhorse1.jpg

 

http://i614.photobucket.com/albums/tt223/tracyab1972/blackhorse2.jpg

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Hello all,

i have asked hsbc to produce my credit card agreement with the £1 postal order. i had this returned yesterday and they have asked me to sign the letter to corresspond with their docuements. by law i do not have to sign my letter. but i can't find the template of the letter i need to return to them stating my right on this! help anyone pls?

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  • 5 months later...

Ive won my missold PPI back from Blackhorse by going through FOS.

I had to wait around 3 months for FOS to look at my case due to the massive backlog they are dealing with, then after eventually hearing from them,

 

they wrote and told me the good news that I was getting my money back.

Blackhorse haven't admitted to misselling, but FOS have told them to compensate me with an extra £200.

 

So, I thought great, I will get my money back, which is desperately needed.

 

However, Blackhorse have told FOS that it may take them up to 12 weeks to give me my money back.

This isn't good enough and I just want to let people know that if they have a claim in with this company then don't hold your breath for your money being paid back in a reasonable time limit.

 

FOS say that they realise that this is unacceptable, but can't do anything about it. If the consumer owes money to companies then we are harassed and bullied by these companies, but it is okay for them to dictate when we get our money that is rightfully ours. This is not acceptable:-x

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In that case, have a look at this extremely interesting thread.

 

There is no reason why you should have to tolerate such a scandalous delay.

 

You could consider giving them 7 days to pay up or you will enforce the decision though the cost together with interest and costs.

 

Try it. It will be automatic.

 

http://www.consumeractiongroup.co.uk/forum/legal-issues/226473-aic-amex-ignoring-fos.html

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Thanks Bankfodder. I think I will call them tomorrow and ask them when I will be getting my money back. If their answer isn't within reason then I think I will take this route too. It's an outrage that first of all consumers are being cheated out of their money, but then have to wait until banks etc. can be bothered paying up. As you may be able to tell I am furious with this. Once again the consumer comes loses out once more!!!!!

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  • dx100uk changed the title to Blackhorse PPI V Me **WON**
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