Black Horse PPI

[Helenm]

Hi there sent away the PPI questionnaire and a copy of my agreement on the 25 April - have today received a letter back from them requesting I give them 8 weeks.

 

Do I allow them a further 8 weeks from today or stick to my original date?

 

Thanks in advance.

[Helenm]

Just in time - got letter back - see attached!

 

They are not paying out after stating on my PPI questionnaire request and as below, also sent a copy of the agreement. Bought the car in June 2003.

At car dealership ******** motors, everything was done by the salesperson, all i had to do was sign the agreement.

I was not given any information with regards to payment protection plan. It was not explained at all that this was either optional or had any cooling period.

As you see on pg4 it states "that due to your successful claim you have benefited from having the policy" dont know what thats supposed to mean?? It also states on same page about dates that I cannot apply to the FOS to deal with???? Where do I stand now - any advice great appreciated!

[ims21]

You will need to convert the files to PDFs...use this method

 

Dx100 – Instructions on uploading pdfs

 

scan the required letters/agreements/sheets

as a picture file

remove all pers info inc barcodes etc using paint

but leave all figures and dates.

go to one of the many free online pdf converter websites

convert the image to pdf format.

or ir you have PDF as an installed printer drive use that

open a new msg box here

hit go advanced below the msg box

hit manage attachments below that box

hit the add files button on the top right

hit select files, navigate to your file on your pc

hit upload files

NB:you can set where it goes in the post by hitting insert inline.

the hit reply button

 

So did you make a claim on the policy at some stage?

[Helenm]

Ims21 - knew I was forgetting something

 

Didn't make any claim at all - neither did I have any arrears or late payments!

BH.pdf

[ims21]

Ask them what they are on about when they say in view of your claim you have benefited. If you haven't made a claim then they may have someone else's case mixed up with yours.

[Helenm]

Thanks Ims, must do a letter up asking what they are talking about!!

 

Should I make case with FOS? on the issues of being missold, given that I wasn't informed of the sale neither information on any cooling off period!

In the letter they state that I am not able to take my case to the Financial Ombudsman as they are only able to deal with compliants regarding PPI policies sold by Black Horse from 01/12/2001 - 31/03/2003 and from 14th January 2005. Please could you advise if this is correct?

[ims21]

I wouldn't do anything with fos just yet.

 

Find out first whether they have your claim mixed up with someone else's.

 

You can challenge their findings with BH direct and you would go through each of the points in their letter and refute them.

 

It has not been unknown for a lender to take a different view when challenged.

[Helenm]

OK will try that first then - was having a read through Tiaposy's post!

 

Thanks

Helen

[Helenm]

After writing my letter to Black Horse requesting whether or not they had mixed up my claim with someone else's, I today received a copy of the letter they had already sent to me "marked copy and with the agreement number marked with brackets" .... How do I proceed now?

[ims21]

So have they just sent you the same letter with a different agreement number in it?

[Helenm]

no the same agreement number - photocopy of the original letter they sent to me

[ims21]

So if it still has someone else's agreement number then you need to let them know that they still have not got things correct and that you demand a response regarding your agreement.

 

Also tell them that they have now twice given you a response on another person's financial detail and that you will be letting the Information Commissioner know about this by way of a formal complaint for a possible breach of the DPA.

 

Tell them that if you don't get a reply within 7 days then you will be lodging two complaints wit fos, one to do with their attempts to frustrate the process and the second for the PPI complaint itself.

[Helenm]

this is my agreement number it seems to the contents of their letter that are wrong - do i just go straight to FOS now? """As you see on pg4 it states "that due to your successful claim you have benefited from having the policy""" where in fact i have never made a claim, suggesting its not my agreement etc

[ims21]

Ah right...got it the wrong way round....sorry

 

Well you can challenge them again and tell them that something is clearly not right since you have never made a claim on the policy and ask them to provide their specific evidence that you have done so.

 

Alternatively you can pass it to fos to deal with but be prepared for a long wait.

 

If it were me I'd be making a pest of myself with the lender to exhaust that first because they could well dig a hole that they can't climb out of.

[Helenm]

ok will send another letter requesting the evidence etc thanks again!

[Helenm]

Ims21 - does this look ok?

With regards to the copy letter which I received on 16 July 2012, I believe that something is clearly not right with regards to the following points.

· I was NOT made aware of PPI and therefore was believed that this was part of the loan.

· I was not aware of any cooling off period as I was never told about it.

· I was not told anything about PPI therefore I did not know this was optional.

· I was not made aware of any employee benefits – this would have been no good to me at the time as I had been working with the same company for 9 years and still to this date.

· I was not told about PPI in order to cancel it.

· I was given a total cost of monthly payments for the car and there was no mention of PPI

· I don’t ever recall received a copy of the policy booklet nor the policy leaflet only a customer pack, which included Agreement Form, Direct Debit Forms, Terms and Condition Form and Insurance Form

·

Your advisor at that time did not act reasonably, nothing was explained in full or at any length. Your advisor told me to cost each month of the car, asked me to sign the agreement and left the room.

Also within your letter you state “I am also of the opinion that due to your successful claim you have benefited from having the policy”. Can you provide me with the evidence of this as I have never claimed on this policy? I challenge your opinion and the failings within the sale. Please be advised that should you fail to reply to me in a satisfactory manner, within a reasonable time, I reserve the right to progress my claim toward court or the relevant bodies without further notification.

 

On reading the terms and conditions in relation to the PPI - it does not state that there is cooling off period nor that of a cancellation right other that cancelling the whole agreement, therefore returning the car!!!!

Edited July 22, 2012 by Helenm

[ims21]

Yes but don't say "can you provide the evidence" you should be saying that you "require" that they provide the evidence

[Helenm]

Hi Ims21

 

Just to let you know received an offer today - which I will accept! yeeehhaaa

 

Once payment cleared - donation will be sent

 

Many thanks for all your help on this - well worth it!

 

Helen

[ims21]

Oooh do tell more.....so they performed a U turn after you put the pressure on?

 

Is the amount what you were expecting to get?

 

Sounds like great news for you.....well done

[Helenm]

LOL i know couldnt quite believe it myself!! Seems to be after the last letter I sent made all the difference and even better they admitted they made a mistake in their judgement of misselling of the ppi will upload the letter tomorrow as its celebration time! Need to work out the figures, but roughly what I expected :) :) and its all thanks to you lot!!!!

 

So will get back to you tomorrow with the rest of the details

Have a lovely night

 

p.s. now to get my finger out and get on to the rest of them!

[sawda]

I have had the same kind of letter today back from Black Horse so this has given x me some hopw

[Helenm]

Best of luck! Just received my cheque yesterday!