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

[xboxer]

Morning everyone,

First off, Happy New Year to all the CAGGERS!

Right so life has kind of gotten in the way the last couple of months and this was moved down my list of priorities. Well no the New Year is here and I'll not be doing much socializing during January I've got plenty of time to get back on this.

Decided to check my credit file this morning with credit expert and lo and behold the BH CCJ has disappeared! I had last check mid December and it was there.

The CCJ was paid off in full in March 06, although BH had recorded it as May 06, so it should still be there.

Now I have in my correspondences to BH stated that I expect to removal of the CCJ as per FOS guidelines but have had no positive response to that request. They in fact stated that they were aware the date was wrong and would not be changing it.

So just wondering if there is a way I can see how / why the CCJ has gone?

[xboxer]

I think I have the answer to the CCJ, the court date of the original judgement was Dec 05. So even though it wasn't paid (satisfied) until March 06 it would be six years from Dec 05 NOT six years from March 06.

[alibobsy]

Sorry to hear they are still messing your around X boxer.

 

I finally got most of the info from my SAR (although not all the notes nor statements are in there) I at least have enough to prepare my claims.

 

They still maintain nothing held for the earliest loan and as it was not one that "rolled over" to the next loan the earliest agreement they produced did not list the ref-this was a good tip ty, as they produced each agreement I was able to contact them with a new ref number to chase up.

 

I will be able to do a recon from the payments I reckon and as it was the lowest loan anyway, its more the others I want to sort.

 

I had sent off claims for the last couple of loans before realising I needed a SAR, and I thought they had rejected all, until the recently wrote to ask why I hadn't sent my acceptance of their offer back on one of the loans-phoned them and they are preparing a new offer to be sent.

Funny tho how the loan that would be under FOS juristriction is allowed and the same circumstances and same miss sale is rejected on the loan they state is not under FOS juristriction.

 

Well will take what I can get and refer off the rest to see what they say.

 

Good luck

Ali x

[xboxer]

Afternoon everyone,

 

So once again I find myself updating this thread!

 

This time though it's a positive!!

 

After trying a slightly different but simplistic method and NOT using the FOS or going through court, BH have finally come back with an offer of almost £7K.

Whilst this is about £800 less than my calculations I will be accepting this offer. Once I have the cheque and it has been cashed then I will fully update the thread.

 

My oldest claim was on a loan taken out 15 years ago!

[alibobsy]

Well done!

I finally got the promised refund after alot of chasing and they are now over the 8wks for the rest of the "roll over" loans I reffered ro them. * wks was monday so am going to give them till the end of this week to see if anything turns up (I suspect they may only be looking at complaints when they are due to run out of time-all the banks seem to be doing this to hang onto the money).

 

Will look forward to your update as i have a funny feeling they may turn down the other loans as they are "outside the fos juristiction" as they see it.

 

Ali x

[xboxer]

Thanks Ali, it has been a long time coming but hopefully finally there. I've been told to expect my cheque within the next 10 days.

 

Will look forward to your update as i have a funny feeling they may turn down the other loans as they are "outside the fos juristiction" as they see it.

 

Well this is how they treated mine but in their latest letter have told me I CAN refer my complaint to the FOS, so go figure lol.

[xboxer]

Morning all J,

Well I received my cheque yesterday and have now put it in my account, so I suppose I can now class this as a WIN!!!!!!

[ims21]

Excellent stuff

 

Well done and enjoy your winnings

 

I'll change the thread title for you

 

ims

[alibobsy]

Nice one xboxer, they have suprised me today by making an offer on all the loans I recently submitted. Not sure if we should accept though as its almost 4k less than my calcs. Posted more info on my own thread.

 

Ali x

[pickaname]

Have just started the ball rolling today with mine. Thanks for this it gives hope.