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    • as i said unsure of what this 15% is about.   the FOS/FCA clearly describe how refund calcs show have been made the their relevant sites.   p'haps at this juncture it might be better to scan up to ONE multipage PDF their refund letters  another set of eyes is always belter.   please read our upload guide carefully      
    • I wouldn't bother with emailing Virgin's CEO.   In April I started a complaint about my BB connection which they repaired quickly but charged me to repair.   I was mostly ignored or promised resolution that never happened. So I complained by email to the CEO, twice, demanding written responses. On each occasion, a lowly call centre worker called and it was obvious they knew or cared little about my actual case.   Finally I got a written reply confirming the charge was dropped but not a penny offered in compo despite the issue taking months to resolve.   Virgin don't take CEO complaints seriously.
    • Dear All,   BN, BF, HB, - Thank you for your comments.    Yes sorry, i wanted to save some time by doing that as I wanted to carry out the posting ASAP OK, I have redacted the statement and it is attached here in the PDF doc.   Its our 2nd draft and I will fine tune it tonight / tomorow.   Thank you for putting me right.    Warm regards BF   Counterclaim-1.pdf
    • So according to this calculator my refund should be £4562.96 at the 8%.   This is in line with some of the management firms calculator on-line.   I have checked their letter again and they have paid from 1 Jan 1989 - 1 Jan 1994 only. They have refunded all the insurance premiums totalling £469.50 and the interest paid on the premiums to date of £257.90.  Additional interest of £1,436.36 after tax on top of refund as compensation.  Statutory rate of 8% from 1 Apr 1993 and at 15% before that.  They have not provided a breakdown of payments from 15% - 8%.  Only below:   £  469.50 - Refund of PPI premiums paid £  257.90 - Refund of interest charge on the premiums paid £1,795.44 - Statutory compensation -£      0.00 - Less any previous successful claim -£      0.00 - Less any previous refunds made directly as result of this policy -£       0.00 - Less any statutory compensation already paid -£   359.08 - Deduction from any statutory compensation interest for income tax at 20% _________ £2,163.76 - Total refund due   This will be the second time I am returning their calculations.  They made a decision last year and used a wrong date as they could not read the date and made up a date then it went to the back of the queue to be recalculated.  I had already queried the refund amount with them and they have moved the date again from the 22 Jan to 1 Jan!   Are they using a different calculator/principal why the figures are so far apart?  How am I going to show them this calculation without it going to FOS and sitting there for years to be assessed?   Can I also ask how to do the 15% calculation?  Thanks so much.  
    • Hi Burma.   You've been here for a while and I have to say I'm a bit disappointed that you're PMing this to various people off the main thread.   Advice by PM isn't what we advise here and I hope that you can post up your anonymised documents very soon.   HB
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Black Horse, help!

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Hubby bought a car using Black Horse finance on a deal where after 3 years either the car goes back and remaining finance is paid back using gap insurance, you have the option to buy the car outright either with finance or cash or sell the car private and pay off remaining finance.

Black Horse should send out details of what to do near the time of repayment.

Details was not sent but a direct debit for the full amount owed was claimed from the Bank account which was £5550. The money was not in the bank but the Bank allowed it to be paid! It was claimed back throught the indemnity, Black Horse was contacted and they did say on the phone that he should have been asked what option he was taking before any monies was taken, but they had not done this.

The car was sold to We Buy Any Car.com and they paid off the finance and also paid the remaining money from the sale to my hubby.

We received a letter from Black Horse stating the loan was now closed, they had received their money and the balance outstanding had been paid in full. If you would like another loan with us at any time dont hesitate to contact us, thank you very much.

That was 3 months ago, but yesterday a letter was received from Black Horse saying the loan was in default and he had 14 days to pay up the full amount of £5550 or they would start court proceedings!!

On phoning them they said the money had been returned to WeBuyAnyCar.com and the debt was back with him!! He asked why it had been returned but the person he spoke to said it was up to him (hubby)m to sort it out!!

Anyone know where we stand on this one?

Any help wold be appreciated.

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never mind phoning get black horse to sat why they gave it back in writing and get we buy any car to say why they took it back in writing.


one of them is telling prokies but you need it writing

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Guest webuyanycar

Hi EllyJay - I'm really sorry to hear about your difficulties. I oversee the administration team at webuyanycar.com and we can help you with this.


I'll need to know the registration of your car so I can access the details of your transaction. Could you either call us on 0845 0947 055 and ask to be put through to the administration team or email me personally. My email address is jeremy.herbert@webuyanycar.com.


We'll be only too happy to liaise with Black Horse to obtain a satisfactory outcome for you.


Jeremy Herbert


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Hello ellyjay,


Please do contact webuyanycar through the details posted.


They are a genuine member and are here to help.


I would also ask that other members respect webuyanycar who is here to assist our members.


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Any advice & opinions given by supasnooper are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability.

Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Thank you ao much for your replies, especially Jeremy. We didnt seem to be getting anywhere, and Black Horse seem to have no idea why they sent the money back! They said its up to us to sort it out! Will let you know of the outcome. Thanks again

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P.S. I anyone is thinking of using Webuyanycar, go ahead, They are very good, the transaction went smoothly, and we would have no problem reccommending them to anyone looking to sell their car privately.

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  • 3 weeks later...

The saga goes on.

Black Horse have now sent 2 more letters, one to say we are in default and need to get legal advise and another thanking us for asking for an early redemption figure (we havent!) !! On the second letter it states the figure due to close the account is NIL and should be paid within 14 days!!

After another lengthy phonecall to them, they are now insisting they have returned the money paid by #We buy any car# (they havent) and WE have to get it back and they also say they have returned the direct debit money to the Bank (they havent) We have it in writing from the Bank that the money they paid us back from the indemnity claim has still not been paid back by Black Horse.

Black Horse, are insisting it is our problem to sort out, the whole thing is a farce!!

If they want to go to court, fine, they are in the wrong!

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