#LloydsTSB : BLACK HORSE HAVE THEY COMMITED AN OFFENCE?????

[birde1978]

Hi Caggers

 

I am in need of your advice on behalf of my father.

 

My father took out a loan with black horse to buy a caravan last year.

He rang me today to askmy advice as black horse keeps ringing him to get him to change his address which i though was very odd after speaking with my father he tells me when he originally took out the loan he wanted to go joint with his long term partner which he does NOT live with.

the lady who did the application told my father that the loan couldn't be approved at his address and that what she was going to was put my father as living with his long term partner and use her address and the loan would be approved my father has told me that there is no mention of his address anywhere on any paperwork and all correspondence goes to is long term partners address who is joint on the agreement.

This seems very odd to me that black horse is chasing my father to change address to his own and the lady who originally signed it all up for my father no loner works for black horse????

I also though that black horse would of had to by law seek identification from my father for that address they were using which as said previous has never lived at his long term partners address.

This is what really confuses me my father had had a previous loan with black horse that was paid off and no payments missed and his own address so why they wouldn't do it again and insist they put him at his long partners address instead is a total mystery???

 

My own thought are this lady from black horse has been caught out and the company are most probably looking at all the applications she had done and discovered my fathers and i feel they want him to come in to sign a new credit agreement instead of some change of address rubbish there saying?

 

Have Black horse done something illegal here or anything that makes this situation wrong for all i know this could be completely legal but it just seems very suspicious given the loan was taken out last year and everything that surrounds it.

 

Would so much appreciate if somebody could advise me what i should do if anything

thanks for you time guys.

 

Birde

Edited April 28, 2011 by birde1978

[dx100uk]

cant see anything real untoward there

just dont change it

 

dx

[rebel11]

Hi birde

 

Your father could send Black Horse a SAR Request with £10, they will send you all the data they have on the loan. They have 40 days to respond. I wouldn't change anything, maybe the SAR will throw something up. You could be right in what your saying.