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First a big thanks to the cag site team in advance

when everything went wrong in my finances this is the site that has helped me claim money back sort out a dmp and see light at the end of the tunnel.#


I have sent black horse a sar and it has come back with a result


On the 28/04/03 i purchased a car from the now defunct james edwards car dealership in chester


the sales person was insistant i take out the ppi implying i would have a better chance of getting the finance if i had the insurance


the loan was over 48 monthly payments and went like this


first schedule


cash price of goods £9540.00

deduct cash deposit £3500.00

amount of credit £6040.00

plus hire purchase charges £1227.24

acceptance fee £95.00

purchase fee £50.00

total charge for credit £1372.24

total amount payable £10912.24 APR 10.9% 48 payments of £153.38


second schedule

cost of payment protection gold plan £1288.40

charge for credit £257.68

total amount payable £1548.08 APR 9.6% 48 PAYMENTS £32.21


£153.38 PLUS £32.21 =£185.59


all these payments were made on time with no missed payments or late payments


the insurance was never used and the loan ran its course


now i would like to claim this back and will down load a template letter

but my problem is i do not understand the 8% intrest


i can add and to which figure the 1548.08 and how long over a time period


if someone could help me out with the final figure to demand from them this would be a great help thanks



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just fill in the attached SOC


£32.21 on each payment date


see the notes on the SOC red tab


filll out the questionaire here



do a letter of complaint [keep it simple]


fire the lot off to BH.


let us check it first please



please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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