Black Horse Issues

[neolight90]

Hey all just wanted some advice if thats ok, although I think I am stuck with this one.

 

I decided two years ago to buy a £15k car, I was not really sure at the time and my misses said no but somehow I let the car sales man sell it to me! I know aint they good, the finance turned out to be with black horse, I should have read the documents better but he said it would be ok, Anyhow as soon as I got the car and all the documents I saw how much it was costing me, I borrowed 15K they wanted 22K back over the 5 year period, plus the monthly payments were £353 a month!

 

I rang them and said I don't want the car I cant afford it please take it back, to which they said no, fair enough I thought I will sell it and give them the money I owe, I tried to sell it a few times but it was taking ages I asked them for a final value fee they said I owe them £15,553 now with interest, yes thats 2 months interest!! £553!!

 

so 2 months went by and I could not sell so I told them to take it back which they did and sold at auction for £14,100 I thought fair enough I would have to pay the difference, but I got a letter from them stating I now owe £7335 and if I don't pay they would take me to court, of course I did not have that kind of money nor did I think it was fair that they said they had added the interest for the 5 years even though I do not have the finance with them anymore.

 

I know I was stupid and I would never get into anything like that again, I dont want it to affect my Police role nor do I think its fair they ask this much of me!

 

Allied international I believe they are called are chasing me on and off for a year or so now, but for some reason this HP on my Experian report is showing green each month like I am paying it off, I think they said it has something to do with using the money they sold the car for and applying it to the loan.

 

Any ideas on what I can do if anything, Black Horse said they wont talk to me now I must talk to AI he said he wants 4 grand in a settlement, if only they did what they said they were going to do and stand by the offer of the £15,553 I would only owe the difference between 14,100 and that which I would pay off.

 

If you need any more information let me know.

 

Thanks

[neolight90]

Update it has gone from being green on my experian report to being defaulted, all hopes of buying a house with my family this year is gone and so is joining the Police. I cant get any lower and it seems I cant get help on here either as no one has replied

[jdes26]

ive flagged up ur case

[neolight90]

Thank you. What does it mean when you flag up my case I contacted FO who said they are going to lodge a complaint for me I should send a letter request all documents black horse hold on me where can I find a template please

[jdes26]

ive sent a message to cag top people and ur case is now classed as urgent

[jdes26]

do u have ppi on loan?

how long did u pay payments for?

do u have origional agreement?

 

if not you must apply for it

[jdes26]

15k and they wanted 22k

how much interest is that

thats horrendous

[jdes26]

you will get help here

dont worry

and dont talk to allied via phone

writting only

[jdes26]

u can make an offer to on the condition the default is removed send a letter with a FULL and FINAL offer.

do u have a default notice? termination of contract? notice of assigenment THEY NEED ALL THIS TO PURSUE YOU and the default stays on your file for 6 years

[jdes26]

THEIR ADDRESS (your address opposite, top right)

 

 

 

DATE

 

 

REFERENCE: DATA PROTECTION ACT

 

SUB REF: Subject Access Request pursuant to PART 11 sec 7 (2) (a) and (b) of the Data Protection Act.

 

Account Ref: xxxxxxx (put in your account No.)

 

Sort Code: xxxxxxx (put in your sort code No.)

 

Note: For the purpose of this communication and all or any subsequent written correspondance that may follow relating directly to the contents herein. 'I', 'Me' and 'My' shall mean: Mr (put your name here). 'You', 'Your organization' 'Group' or similar, 'Data Controller' shall mean: Lloyds TSB and all associated companies.

 

 

Dear Robot, (obviously put Sir/Madam)

 

In accordance with my full legal rights of access to any of my personal information/data under the above-mentioned Statute that is held on your (Lloyds TSB's) internal system of records and relates directly to me, I, Mr (put in your name) respectfully request that you (Lloyds TSB) provide me with a hard copy of all of my personal data that you do so hold in any relevant filing system (including manual filing systems) within your organization (Group) and including all archived records that date back over the previous six (6) years to the present day.

 

 

Futhermore, I respectfully require you to provide me with any of my personal information that you hold in any electronic form of filing system ensuring that the hard copies that you send to me are legible and that all and any codes and abreviations are also provided in order to assist me in being able to easily read the documents containing my personal data.

 

 

Further to the above, I specifically request that you provide me with every single bank statement dating back over the previous six (6) years to the present day.

 

I also request that you provide me with a copy of my account agreement including all of the terms and conditions that applied at the time of my opening the account, a copy of any changes to the agreement that you may of introduced since the time of opening the account and a copy of any terms and conditions that may apply to present day banking and transactions to the account.

 

Finally, I request that you provide me with a comprehensive list of all charges that you have applied to my account dating back over the previous six (6) years, to include, showing what the offence was, the date of any such offence and the amount applied as a charge to my account.

 

In relation to the above paragraph, I respectfully request that you justify any sum amount that has been applied to the account to show that the sum amount (charge) does indeed reflect actual costs incurred and not exceed any damages the bank may have suffered due to any breach of contract to the account.

 

I trust that you will make as serious effort to understand your legal obligations under the Data Protection Act and provide me with all that I have a legal right of entitlement to under the said Statute.

 

According to the Information Commisioners Office the maximum fee that you may charge for my Subject Access Request is £10.00 (ten pounds) and so I therefor have enclosed the required fee.

 

I understand that you have forty (40) days to comply with my rights of access to my personal data of any description and as prescribed in this communication under the Data Protection Act.

 

I also request that you provide me with the contact details of the case officer or compliance team that will be managing my Subject Access Request.

 

I would like to express my gratitude to you in advance for your consideration and attention to this communication.

 

I Look forward to your full response within the accepted time scale.

 

 

Yours Faithfully

[jdes26]

send this

go to lloyds forum check sticky and you will find there address

send they have 40 days to provide ALL info about account. charges phone calls payments made etc etc... this will cost you £10

[steven4064]

Have they sent you a statement of account that shows how the £7335 is made up? If not, ask them to justify the amount.

 

Also, what is the answer about PPI - is there any on the loan?

[neolight90]

Hi all thanks for the replies,

 

I will do my best to answer them for now.

 

As far as PPI goes I am not sure I cannot find it anywhere, I have a copy of the contract from them as well as some letters one of which stating what they want as a settlement at the time was £15,553, they sold the car for £14,100 they told me??? and then asked for £7,834 as they lent me £22k I said it was only £15k and they stated they front loaded the interest, to which I replied in a 2 month period????

 

Been fighting them since I must admit I did bury my head in the sand as I was getting nowhere and they had my old address for the last 3 years.

 

I was happy kind of as my credit file was in the green untill this month it went from green to Default.

 

I do not believe I had a default notice but a few bits of the paper work got lost in the move so I cant be 100%

 

They have not sent me any paperwork in 3 years well they might have but I have moved.

 

I want to send them a letter do I send a CCA or a SAR the letter above is good but it states it was a bank account it was in fact a HP Loan.

 

Is there a letter to request all details they hold and any paperwork as well as what the hell is this default all about, can you show me the paper for this as well??

 

With regards to the letter which address should I put my old or new one as they may send the letter back saying they dont know me as my address is different

 

If anyone wants to know anything else please ask, I am desperate to sort this for my futures sake.

[steven4064]

A CCA request should produce a copy of the agreement and a statament of account (make sure you specify both) which should answer most of the questions, ie is there PPI and how is the 7.3k make up.

[jdes26]

Neolight u must sar them and officially they should send you an agreement I'll giv u example I had a 9k loan with poi lloyds coughed upto the tune of 2.4k u stand up they font like it..... Never panic the caggers are the best on the net ur in v good hands

[neolight90]

Thanks so much in what way should I personlize my sar so I get to the bottom of this default or should I just send it as is the sar I need to send 10 pounds don't I where cca I don't what would I use the cca for instead if the sar

[steven4064]

I think a CCA request is better in this case for several reasons:

 

1. It gets you exactly what you need - the agreement and a statement of account (they don't necessarily send the agreement with an SAR)

 

2. it only costs £1 (SAR costs £10)

 

3. they have 12 days to comply (SAR has 40)

[neolight90]

Anything extra I need to add to the cca template

[neolight90]

Just holding off sending this untill I am sure that its a CCA I need to send and that I sent it as it is rather then add anything extra to it

 

I got a letter from FO today saying they are taking my complaint to Black Horse and I should hear from Black Horse soon, I need to get this CCA out so Black Horse know what I am complaining about

 

Any help please with the CCA would be great at this point so I can get it rolling

 

Can someone post up a mock letter of what I should send please and what I should be asking for, or am I just sending the template as it is???

 

 

Thanks

Edited June 14, 2010 by neolight90

[neolight90]

Ok Nevermind then I will just chance a normal template letter then

[JGJ]

neolight90,

 

Hit the red triangle at the left side of your post and ask a mod

 

or site helper for advice, "before" you commit to the template.

 

 

"EXEMPLO DUCEMUS"

[neolight90]

I sent the CCA on the 16th of June recorded, still not had a reply back from them other then the one about you complained to the FO what is the problem, but they sent that before they received my letter.

 

What should I do now?

[neolight90]

I recieved a letter from Black Horse stating that I must send them a signed letter stating that because the address I live at now is different I must prove to them I am who I am.

 

I dont want to send them a signed anything

 

I know I probably wont get a reply but if I do what should I say next?

 

Thanks

[neolight90]

Anyone at all please!

[jdes26]

Send them a signature but just put a line through the middle so it can't be lifted or light crosses through it xxxxxxxxxxx.