Black horse

[stuscfc]

Hi started a thread about this 3 years ago but never got around to doing anything with it due to having to deal with some well know debt collectors and other family issues it was a case of "i will get to that".so its that time now.firstly i have 4 months left on current ppi and the other was refinanced 4 years ago to current ppi policie.now im not going to phone them as it says to do on there web site as need the paper trail to go by so a SAR will be needed. i have had a look for the template but cant find it can anyone provide a link to this plz.it will have to be for a full SAR.i have the adress for where to send it to so thats no problem.one thing never made a claim on either policys.i will update this thread as i go but maybe some breaks due to time waiting for responses. thanks.

[stuscfc]

ok just found a template on another thread for a letter.also what type of id would they look for from you and do you need to provide one.i know from previouse not to send in a signature for variuous reasons.

[citizenB]

ok just found a template on another thread for a letter.also what type of id would they look for from you and do you need to provide one.i know from previouse not to send in a signature for variuous reasons.

 

If you have been in contact with them on a regular basis, then they shouldnt require ID from you.... but they will normally ask for a utility bill, bank statement, driving licence, passport. If they do request ID, come back and let us know what they are asking for and we will advise further.

[stuscfc]

An update on this thread.I didnt send a sar after as got a lot of the info i needed off phoning Black horse.In stead i contacted the FOS due to me being unable to download the questionaire pc wouldnt open it.They have intern notified BH for me and sent me the paper questionaire.I have now received the standard reply letter from BH saying about the 16 week wait.A question i am a civil servant and have been since before i took out these loans i told them this at the time, i have been reading that this is a major reclaiming point is this true.

[ims21]

An update on this thread.I didnt send a sar after as got a lot of the info i needed off phoning Black horse.In stead i contacted the FOS due to me being unable to download the questionaire pc wouldnt open it.They have intern notified BH for me and sent me the paper questionaire.I have now received the standard reply letter from BH saying about the 16 week wait.A question i am a civil servant and have been since before i took out these loans i told them this at the time, i have been reading that this is a major reclaiming point is this true.

 

Hi

 

Yes it is true....the insurances you have under your employment with the Civil Service give enough benefits so you wouldn't need ppi

 

Regards

 

ims

[stuscfc]

As im am waitng now for there next reply i have been reading up on all the latest post on forums by ppl who have had there replies back.It seams that there new tactic is this 30 day part of the ppi rules. I think personaly that they are maybe upholding a few cases so as to be conforming to what ever rules there are but on a majority throwing them back at the consumer so they take the FSO route knowing that there is nearly a year back log. Thoughts on this and what was there are to confound them when this happens as i expect with them.

[xboxer]

Hi stuscfc,

 

The other favorite tactic of BH seems to be that they will say there was no mis-selling but didn't offer a pro rata rebate when the loan was paid off early or consolidated. So they then offer you the difference of the pro rata rebate and what you got at the time. That's what they have tried with me and even got the status of one of my loans completely wrong so reducing their already pathetic offer further.

 

Have you done your Schedule Of Claim (SOC) as I noticed you said in your first post that the loan was refinanced? You will still be paying loan 1 PPI in loan 2.

 

Also BH will most probably wait the full 16 weeks before sending you their response, they did this with me and I got their response after the 16 weeks, so keep an eye on the dates.

[stuscfc]

Not sure how to go about SOC dont understand the refinancing bit.

[ims21]

Not sure how to go about SOC dont understand the refinancing bit.

 

Have a thorough read of No.1 in my signature....it's all there

 

ims

[stuscfc]

Ok have had a response from BH on both these loans and well you guessed it the same letter of refusal that a lot have been having i.e the 30 days to cancel and not miss sold and contact the FOS if not happy.I have done this bare in mind i went through these in the beginning they were quiet surprised that they had come to this decision on both loans and so quickly just about 8 weeks since i made the complaint.So now they want me to send the letters they sent forms i sent to them for them to investigate and could take 12 to 18 Months to do acording the the FOS.BH know this as i said to the Fos call handeler on the phone and are using this i beleive as a tactic to stall these claims and clog the system i think.I also asked th FOS i there was any point in me sending a letter to BH about how the had come to this decision they said no that the FOS wil deal with it.Should i contact the FSA do you think as well.Not happy with this at all .

[ims21]

The FSA won't do anything....fos is the body you need.

 

ims

[stuscfc]

Thanks for the reply yea had them on the phone already will have to sort out he paper work and do some photo copying but they have what i sent as they also sent it off to them the same as myself because i couldnt down load the questionaire they sent me one and the sent one to them aswell that is why they were surprised at the out.