Hillesden/mortimer - claimform - blackhorse loan 'debt'

[Ladylovessalsa]

Hi Bandit, sorry they didn't say 'Complied' I was thinking about something else, they just said that this satisfies my S77 request....

[dx100uk]

have you all the statements?

 

i'd p'haps sar BH

 

as they still own the debt

 

i doubt it was ever sold DLC at all.

 

dx

[Ladylovessalsa]

I have a statement that details all the payments. What should I do with that? As you have suggested I will send the SAR letter to Black Horse, what then? and if I do the SAR to Black Horse what happens to DLC?

[dx100uk]

ok so have you the statements

 

any PENALTY charges?

 

if you've all the statement you dont need to SAR them.

 

how much isoutstanding.

 

and you say BH own the debt still

 

what status / markers are on your CRA file?

 

dx

[Ladylovessalsa]

Okay, it has Black Horse as the company name. It says that I defaulted...

[Ladylovessalsa]

On the Account status codes 25+ I have lots of 6s and a few 8s. Default amount is 8,858

[Ladylovessalsa]

On the statements there are lots of entries '10 Day collection activity Fee charged', 'Collection activity fee charged', and loads of 'interest' charges which are all for £111.60. contractual payments were 198.19

[dx100uk]

right those fees what are they? £25 each etc.

 

if you want scan it up:

 

 

scan the required letters/agreements/sheets - as a picture[jpg] file

don't forget you can use a mobile phone or a digital camera too!!

or

convert existing PC files to PDF [office has an installable print to PDF option]

.

'

BUT......

ENSURE: remove all pers info inc. barcodes etc using paint program

but leave all figures and dates. {DO NOT USE A BIRO OR PEN]

.

goto one of the many free online pdf converter websites

it would be better to upload a multipage pdf if

you have many images too rather than many single pdfs

.

or if you have PDF as an installed printer drive use that

or use word and save as pdf

.

open a new msg box here

hit go advanced below the msg box

hit manage attachments below that box

hit the add files button on the top right

hit select files, navigate to your file on your pc

hit upload files

.

.

dx

[dx100uk]

On the Account status codes 25+ I have lots of 6s and a few 8s. Default amount is 8,858

 

 

if you only borrowed £8k, to have £8k outstanding now is a bit suss.

 

have you ever had a default notice?

 

dx

[Ladylovessalsa]

Yes I have had a default notice although I wouldn't know where to find that now. Here is the statement it is exactly the same as the one that Hillesden sent earlier this year. The only difference is the amount which is now slightly higher and the letter I received recently is from DLC.

Black horse statement 070212[1].pdf

[dx100uk]

right well you've loads of £25/£30 PENALTY fees to reclaim at THEIR int rate compounded

and the same for the PPI. [you got spoofed for ££47.31 PPI PCM]

 

and got charged int at their comounded rate on top of that.

 

the agreement is IMHO very very much toward them making heeps of money.

 

dx

[Ladylovessalsa]

Something very strange has just happened... I have just received a letter from DLC saying that they are awaiting a copy of the original agreement? will post letter online.

[Ladylovessalsa]

Hi there,

 

I've already claimed my PPI on the secured loan

but what do you mean about the compound interest..?

 

What does IMHO mean?

 

What do I do now?

 

I don't understand

[Ladylovessalsa]

It would seem that the left hand does not know what the right hand is doing.... Please have a look and tell me what I need to do going forward...

[dx100uk]

Hi there,

 

I've already claimed my PPI on the secured loan - this one is not a secured loan - there is no ppi refund list either.

but what do you mean about the compound interest..? - they calculated the int each month - so thats compounded - int on the int of the prev month

What does IMHO mean? - in my humble opinion

What do I do now?

 

I don't understand

 

you need to reclaim all the PENALTY fees

 

you need to reclaim the PPI>

 

dx

[Ladylovessalsa]

Do you have a template letter to cover the reclaim of all penalty fees?

 

What do I do about DLC?

 

They are still calling me every day?

 

I've sent them the letter from the library and they are still calling me...

[dx100uk]

let them

 

thats a std phishing letter.

 

just donr answer the phone

 

they have no legal powers.

 

dx

[dx100uk]

enter your PENALTY charges into this spready [sOC]

 

This second spreadsheet is a compound interest calculator and can be used both for PPI claims and Charges Reclaims on Revolving Credit Accounts such as credit cards. Compound interest is not an award that fos will give in respect of PPI claims but it can be used in PPI cases that are pursued through the courts. It is the standard sheet that is also used for charges reclaims both on credit cards and loan accounts where interest in restitution is claimed.

 

CISheet v101.xls

 

 

do the same for the PPI

 

but using another copy of it

 

charges & PPI are sep claims.

 

use their int rate of 18.9 for both

 

dx

[Ladylovessalsa]

I'm sorry you must think I'm really thick,

but I just want to be clear.

 

In the spreadsheet you have sent,

I must use it for two things.

 

First I must put anything to do with charges from the statement in to the spreadsheet

ie. 10 day collection activity fee charged,

collection activity fee charged,

 

but what does 'DD Unpaid Funds'

 

means on the statement?

should I include these?

 

Also how do I use the spreadsheet for PPI claims?

Edited October 10, 2012 by Ladylovessalsa

[Bandit127]

Do you have a template letter to cover the reclaim of all penalty fees?

 

What do I do about DLC?

 

They are still calling me every day?

 

I've sent them the letter from the library and they are still calling me...

Which letter did you send? Did it say specifically "I require all communication to be in writing"?

 

If so, log half a dozen phone calls as evidence (do 1471 to get the number and time). Then write an official complaint to DLC saying that they have not respected your request and they are in default of the current OFT guidance for debt collection. (S.3.3(k))

 

Tell them that you consider their phone calls to be harassment and you require them to remove your telephone numbers under S.10 of the Data Protection Act 1998. Failure to comply will result in a complaint to the ICO without further notice.

 

Not precisely the approach I took with DLC, but mine wasn't that much different. I certainly complained to the ICO and told them so. It worked for me.

[dx100uk]

here>

[Ladylovessalsa]

oh I see! Thank you very much Dx, I'll find the relevant letters and send these off. I'll let you know if I have any further issues...

[dx100uk]

for the PPI

 

fill this in.

http://www.financial-ombudsman.org.uk/publications/technical_notes/ppi.html

 

and adapt this:

 

Barclaycard

Customer Relations Department

PO Box 9131

51 Saffron Way

Leicester

LE18 9DE

 

Dear Sir or Madam,

Re: Providian Visa owned by Barclaycard Account **** **** **** 1459

 

I am writing in relation to the above payment protection (PPI) policy which i believe was mis-sold to me in relation to my visa card.

I believe you have not treated me fairly for the following reasons;

· The PPI was added without my knowledge..

· You have been punished by the Financial Services Authority for failing to treat customers fairly and I do not believe that the PPI I bought was sold in my best interest.

Unless you can prove that the policy was fair and reasonable and that I was treated fairly when I was sold the insurance, I demand a full refund of all premiums, and subsequent interest on these payments, that I have paid in relation to this policy. I also expect 8% interest to be added to each payment I have made as this is the statutory amount a court would pay.

I look forward to your full and prompt response to this letter. If this matter is not settled within eight weeks of this letter I shall be contacting the Financial Ombudsman to investigate my complaint.

This letter is in respect of the above account that was issued by Providian Credit cards.

Yours faithfully

 

 

for PENALTY charges

 

see the library tab top left green thingy

 

look for the cfredit card charges complaint letter and adapt thatr.

 

 

i think you should SAR BH

 

as that statement makes no sense at all

and has no running total.

 

dx

[dx100uk]

as BH still own the loan

DLC can write what they like

 

they are not the owner

 

so

 

have NO legal powers

 

ignore them.

 

put up the PPI letter from BH please

 

dx

[clampchamp]

Hi

I can't give you any advice about what to do about the debt,

but I can tell you about DLC, as I have dealt with them myself.

 

If you end up paying them anything,

make sure you have whatever agreement you make with them in writing,

because they WILL phone you every month or so to try and badger you to pay more.

 

We started paying them an amount,

and every month they phoned my missus

and convinced her to pay more.

 

They would use such phrases to her as "Court", "we will take further action",

and generally made arses of themselves.

 

They're also completely inept at keeping paperwork. Hope this helps.

Rich