ashmk v Black Horse

[ashmk]

Ill start fron the start. This is for a Black horse car loan.

 

I sent a SAR to black horse and they sent me the information (after a reminder letter)

 

I sent the CAG stock template requesting charges back with a schedule of charges detailing what was being claimed.

 

they have now replied back to me talking about how there is no PPI on the account. I never mentioned PPI. All I sent was BAG stock templates from the library.

What are they talking about ? are they just playing games and should I continue and move onto court action.

 

They are stating that because theres no PPI the complaint is invalid and no investigation is needed.

 

 

What am I to do ?

[IdaInFife]

continue and move you claim on, they are probarbly trying to stall.

 

 

ida x

[andie_303]

Black horse are great at stalling - send them a LBA giving them 14 days to refund charges in full otherwise you will instigate court proceedings without further notice.

[ashmk]

I have already sent a LBA (i should have mentioned that) we are currently just less than 10 days into the 14 days given.

 

Should I will give it to the deadline and start legal action against Black horse ?

[andie_303]

I would - perhaps send them a quick confused by your response letter - bu the clock is still ticking see you in court at the earliest date after the deadline

[ashmk]

If I had a loan of 10k and still had 6k to repay but 2k of that 6k were charges bringing the real loan total to 4k where do I stand on claiming on that 2k ?

And would it be just a balance ajustment or can you actually ask for that 2k to be handed over by cheque to you.

[andie_303]

if you're account is in credit I believe you can ask for it - if you are in arrears its to your account but not 100% sure on that one.