Black Horse PPI and Charges *** WON ***

[xboxer]

Afternoon everyone.

Well I've finally decided to go ahead and SAR Black Horse in view of mis-sold PPI and charges.

My loan was taken out in 2003 and 21/22 payments were made before my bank messed up my DD's and stopped paying BH. I was staying at my OH at that time so thought all my bills were being paid. Fast forward 10 months and a lot of problems, BH had gotten a CCJ and the monies from the sale of my house where held until BH was paid.

At the time was just glad it was sorted and didn't delve to deep into it, far too many other stressful things going on!

Well I've now been checking out my Credit Report and was going to SAR BH anyway due to the irregularities in what was been reported, so thought I might as well go for the PPI and charges.

I'm going to send the full SAR template but wanted to check a few things out first.

I'm living at a different address now than the one I was at when the loan was taken out; do I need to provide ID then?

I no longer have any of the paperwork only the last four digits of my account from my credit report, can I phone them to find out my full account number or will this give them a heads up?

Is there anything else I should do or request at this stage?

Thanks as usual in advance!

[rebel11]

Hi Xb

 

Give them your previous address, they will clearly update the system with your new address. They will probably request proof, best to wait and see what they ask for.

I would print your name, don't sign it. The templates in the library.

[xboxer]

Thanks rebel, I take it this is still the right address?

 

Mark it for attention of Lyn Cook DSAR Team

DSAR Unit,

Lloyds TSB BANK PLC,

Customer Service Recovery,

Charlton Place,

Andover,

SP10 1RE

[rebel11]

Last paragraph:-

 

http://www.lloydstsb.com/privacy2.asp

[xboxer]

Thanks again

[xboxer]

Just checking that I make the postal order out to lloydstsb?

 

On a side note (probably old news) I noticed Black horse have now stopped their personal loan business.

[xboxer]

Afternoon everyone,

 

I got a reply back from Lloyds saying they couldn't find any info but enclosed a questionnaire and pre paid envelope for me to supply more info. Also attached was a list of the other Lloyds TSB companies addresses to send a SAR and £10 fee to each one!

 

So I phoned them (RECORDED) and got them to forward my SAR to BH.

 

In case anyone needs it the address for a Black Horse SAR is :

 

Customer Complaints

St William House

Tresillian Terrace

Cardiff

CF10 5BH

[xboxer]

Update time.

 

Got a letter back from BH yesterday stating they could not find any valid agreement and asked ME to supply them with a valid agreement number! Well IF I knew that I wouldn't be sending a SAR!! Oh and they also returned my £10 postal order.

 

Well I'm going to give their compliance team a ring (RECORDED) in a while and find out whats going on.

 

As far as I'm concerned this is day 37 of my SAR request and this is delaying tactics by BH.

[xboxer]

OK update time AGAIN! lol

Phoned (RECORDED) BH this morning gave them all the info I included in my SAR request and BH still can't find any info, mentioned they got a CCJ against me, was then passed to Edinburgh solicitors.

Edinburgh solicitors can't find info, they check Cardiff solicitor's database and find agreement number but can't give me info.

Told to phone Cardiff.

Phone Cardiff (RECORDED), they can't find info, not a valid agreement number!

Told to phone Edinburgh!!!

 

Right phoned (RECORDED) Edinburgh again!

 

Finally got someone who knows what they are doing. She has confirmed they have the original agreement, T & C's, Charging Order, etc on fiche.

 

So I now have to SAR them.

 

Although they did confirm the CCJ was settled 2 months earlier than reported on my credit file.

 

[xboxer]

Morning everyone 8-)

 

SAR now sent to BH's solicitors.

 

Can I now claim BH are in breach of my SAR request?

 

My reasons for this are;

it is now more than 40 days since I sent my SAR and nothing from them

they returned my postal order with a letter saying they needed more info BUT when I phoned them they eventually managed to find my agreement

 

My thoughts are BH were using delaying tactics and trying to put me off pushing the matter.

 

On a plus note I was clearing my garage out and found a letter with an old agreement number so looks like I will be wanting that information aswell!

[xboxer]

Update time

 

Raging with the bh idiots! Postal order returned again!

 

Despite me sending it to bh's solicitors and including my old address, current address, agreement number, email address and phone number I get a letter today saying your signature and address don't match so we have returned your postal order until you provide with the information!

 

And it was bh themselves that returned it NOT their solicitors who I made the sar request to!

[xboxer]

Morning All.Phoned BH (RECORDED) because BH had my sibling's address as the completion address and my signature has changed this is the reason they have not completed the SAR. I'm going to fax them a letter detailing the above with an approximation of my old signature as well as detailing as much info about the original loan as I can remember.

[xboxer]

The saga continues….

 

Last week after I faxed BH a letter explaining the completion address they had on record and an approximation of my signature as it may have been in 2003 I then posted a copy along with my PO.

 

Well on Monday I received yet another letter from BH saying

 

Thank you for you recent letter.We require £10 payment to progress your request!

 

Well it was time to get on the phone AGAIN!

 

Spoke to customer complaints (RECORDED) who checked my file and asked me about what letter I was referring to as my file had not been updated since 2007!

Then had to explain that this is now day 63 of my SAR request and that they had better find my letters.

He then went to physically check with customer complaints after realising that whoever was dealing with my request was not putting their name on the letters. Also asked me for the counter foil number of my PO so they could check if it had been cashed.Eventually he asked me to FAX the letters I had received to them so that they could work out from the signatures who was sending me the letters.

 

Well the FAX number I was given doesn’t accept incoming calls!

 

So back on the phone!!!

 

This time the person I spoke to (RECORDED), after explaining everything again, asked if the SAR was for a PPI claim.

Didn’t want to say it was until I had my SAR details, so told him it was for my own record keeping.

I was then told that he could send me my Agreement, T & C's, completion letter and details of my account FREE OF CHARGE!!!! And that I didn’t have to do a SAR to get this information.

 

Is this normal?????

 

I asked him to send that out to me and that I still wanted to progress with my SAR as I not happy with how it has been handled so far.

I was then given a different FAX (that seems to have worked) and then he read out the loan details to me so that I could decide if I wanted to make a claim.

He then went on to explain how to start my claim if I decided to make one.

 

Talk about a refreshing change.

 

So awaiting my loan details, it takes 5 days apparently, and them sorting my SAR out!

Edited May 19, 2011 by xboxer

[xboxer]

Update again! lol

 

Got home tonight and my agreements have arrived already.

 

Time to start working out the sums

[xboxer]

I've been going through the paperwork I have received and it looks like I have 4 defaults on one loan!

 

3 in may and 1 in October, guess which one is on my credit file?

[deedee1310]

Sounds as though you were alone here I'm replying so that I can automatically sub this thread.

 

Keep up the fight!

[xboxer]

Thanks deedee, it does help to sound out your thoughts!

 

Right from what I can see looking at the loan statements, LOAN 1 was consolidated into LOAN 2. It looks like they actually added to the outstanding amount the interest they were going to lose!!!

 

LOAN 2 had a missed DD in March 2005 then DD's were cancelled and LOAN 2 was defaulted in May 2005 BUT from March to October interest was still added, until taking me to court and getting a Judgement in December 2005.

 

Then there is a charging order costs in March 2006 that is then refunded in May 2006?

 

With the PPI claim can I get them to remove the ccj And default?

Edited May 20, 2011 by xboxer

[xboxer]

Okay my reasons for LOAN 1 (1998) being mis-sold are;

 

*Was arranged over the phone with a prefilled agreement I only had to sign in one place with the PPI aspect already entered and no opt out on the form

PPI was front loaded single payment added to the loan and this wasn’t explained to me

PPI and loan monthly repayments and interest shown but no Total Amount to Pay

PPI was I believe an advised sale to me with no needs analysis or proper explanation of the PPI

I had twelve weeks full sick pay with my job and a good redundancy package

Loan was repaid early with no noticeable rebate

Was not informed I would not receive a Pro Rata rebate

Wasn't clearly explained to me that I could cancel the policy and that it was optional

Was not explained PPI involved the purchase of an Insurance Policy

 

*My reasons for LOAN 2 (2003) being mis-sold are;

 

*Was arranged at the local office with a prefilled agreement I only had to sign in one place with the PPI aspect already entered and no opt out on the form

I was told it was a condition of the loan

The price of the policy was worked out on a consolidated loan that didn’t have a correct rebate and had mis-sold PPI on it

PPI was front loaded single payment added to the loan and this wasn’t explained to me

PPI was I believe an advised sale to me with no needs analysis or proper explanation of the PPI

I had twelve weeks full sick pay with my job and a good redundancy package

Was not informed I would not receive a Pro Rata rebate

Wasn't clearly explained to me that I could cancel the policy and that it was optional

After being defaulted on the loan I didn’t receive a rebate from the policy (I had paid 20 out of 45 payments)

Was not explained PPI involved the purchase of an Insurance Policy

*

I'm going to work out my figures from each monthly payment with the day it was paid to the end of this month with 8% annual interest. With the remainder left owing I shall add 8% annually from the date the account closed until the end of the month.

*

I'm aware that the amount may go up or down! lol

 

*I shall also state as per FSA guidelines that I shall be put back into the position I was in if I hadn’t taken out PPI i.e. . . . credit report, CCJ

[deedee1310]

I agree with your train of thought and reasons for mis-selling. I am pretty sure you should be claiming contractual interest too. I am currently working on a calculator for single premium PPI. There is one in the stickies section, so have a look at that and familiarise yourself with claiming compound interest as per Sempra Metals

[xboxer]

Hi deedee, it is certainly something to think about.

 

I think I would be justified in claiming damages from how they have treated my Sar to incorrectly recording on my credit file, four defaults and the wrong date for the ccj satisfaction.

 

Would be a fair bit on my claim, 19.9 - 23.9 % compared to 8%

[Fred_Funk]

Okay my reasons for LOAN 1 (1998) being mis-sold are;

 

*Was arranged over the phone with a prefilled agreement I only had to sign in one place with the PPI aspect already entered and no opt out on the form

PPI was front loaded single payment added to the loan and this wasn’t explained to me

PPI and loan monthly repayments and interest shown but no Total Amount to Pay

PPI was I believe an advised sale to me with no needs analysis or proper explanation of the PPI

I had twelve weeks full sick pay with my job and a good redundancy package

Loan was repaid early with no noticeable rebate

Was not informed I would not receive a Pro Rata rebate

Wasn't clearly explained to me that I could cancel the policy and that it was optional

Was not explained PPI involved the purchase of an Insurance Policy

 

*My reasons for LOAN 2 (2003) being mis-sold are;

 

*Was arranged at the local office with a prefilled agreement I only had to sign in one place with the PPI aspect already entered and no opt out on the form

I was told it was a condition of the loan

The price of the policy was worked out on a consolidated loan that didn’t have a correct rebate and had mis-sold PPI on it

PPI was front loaded single payment added to the loan and this wasn’t explained to me

PPI was I believe an advised sale to me with no needs analysis or proper explanation of the PPI

I had twelve weeks full sick pay with my job and a good redundancy package

Was not informed I would not receive a Pro Rata rebate

Wasn't clearly explained to me that I could cancel the policy and that it was optional

After being defaulted on the loan I didn’t receive a rebate from the policy (I had paid 20 out of 45 payments)

Was not explained PPI involved the purchase of an Insurance Policy

*

I'm going to work out my figures from each monthly payment with the day it was paid to the end of this month with 8% annual interest. With the remainder left owing I shall add 8% annually from the date the account closed until the end of the month.

*

I'm aware that the amount may go up or down! lol

 

*I shall also state as per FSA guidelines that I shall be put back into the position I was in if I hadn’t taken out PPI i.e. . . . credit report, CCJ

 

Fairly certain a few of the things you've listed can't be cited as evidence that the policy was mis-sold.

 

For instance, not receiving a rebate after defaulting on the loan is immaterial to whether or not it was mis-sold in the first instance.

[xboxer]

Fairly certain a few of the things you've listed can't be cited as evidence that the policy was mis-sold.

 

For instance, not receiving a rebate after defaulting on the loan is immaterial to whether or not it was mis-sold in the first instance.

 

hi Fred it's listed as one of the complaints that is looked in to and has the knock on effect when consolidated in to a new loan

[xboxer]

Just shows how much BH are trying to get out of paying, was double checking my first agreement to discover I had a loan with them before that! Phoned them up and they still have it on their system (DEC 1997) and yes PPI! Now why wasn't that included in my SAR? Just waiting for it to be sent now!!!

[xboxer]

Ok so BH have sent the statement for my first loan (1997) BUT not the cca as promised! I apparently have to send them a letter explaining the problem! I have also worked out what I believe I am owed http://cid-be0857c5dcb445dd.office.l...LE%20LOANS.xls

[xboxer]

The link in the previous post wasn't working so this one should! http://cid-be0857c5dcb445dd.office.live.com/view.aspx/CAG/MULTIPLE%20LOANS.xls