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lawrence147

Nolans for hillies - court action letter threat old BH loan - scotland

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Hi Guys

 

Finally getting around to sending this SAR.

 

Quick question - who should it be sent to: Hillesdens or Black Horse?

 

Many thanks

 

Law

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Thanks DX

 

Will get back here when it comes in.

 

Law

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Hi guys

 

Finally got the SAR from Black Horse.

 

What docs do you want to see on here, regarding the charges and discounts offered?

 

Thanks in advance

 

Lawrence

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you need to look at the statements you have.

 

did you get those cra's checked and stop payment?

 

dx


..

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Hi guys

 

Really sorry for not getting back to you quickly. Had a manic last few days.

 

dx - I have check my CRA's and have no record of this debt. the OH has checked her Equifax report and nothing on there either. We will be checking her Experian report when we have paid their fees from last time (later this week)!!

Not paying anymore either.

 

I have attached the agreement and statement they sent me in the SAR, with all the personal info I could find removed. If you mods see anything personal, please take them off and amend. Cheers

 

Anything else you need, holla.

 

Thanks

 

Lawrence

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you need to pdf them

 

dx


..

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Pdf as required

 

Thanks

 

Lawrence

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is this the return from BH sar?

 

if so:

 

heres the reason for the discount...


..

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This is what I have received from BH.

 

What's my next move?

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go thru all the statement you have from everyone

and total up you payments please

 

dx


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Will do tomorrow.

 

Thanks for your help dx

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Was that a "one off" collection charge at £265.00 ?


Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy -

HERE

2: Take back control of your finances -

Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors?

Read Here

4: Staying Calm About Debt

Read Here

5: Forum rules - These have been updated -

Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

 

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Hi All

 

All payments made from start of loan - £1789.53

 

Law

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Citizen - Yes that seems to be a one off charge.

 

Law

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Hi Guys

 

Can anyone help me on what I should be doing to ensure I only pay what I owe and not the charges and penalties made on the account?

 

Thanks in advance

 

Lawrence

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well £1789.53+£728.39 [penalties] = £2,527.82.

 

cant see where they get a discount of £2,183.60 from.

 

I've not spotted why there is such a large discount.

 

let look at it another way..

 

on 16th December 2011 they offered you pay £727.87

 

looking at the spreadsheet those charge had already been levied

 

so as the spread is £738.29, that to me equates that you paid more than that since that date

so if you reclaimed the debt would be dead.

 

pers i'd await the next fleecing letter

 

lets see what happens.

 

dx


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I see what you are saying dx.

 

Do you want the next letter on here when I receive it?

 

Also, would it be worth running it past an IFA friend of mine who deals with debt to try and kill it off?

 

Law

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by all means ask him

 

i'm not the fond of all angles.

 

I might have missed something

 

but sure as eggs is eggs

 

and knowing BH they would have had you in court years ago if they ever thought they had a case.

 

very few

just like welcome finance loans are correct

 

dx


..

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You may not be the font of all the angles, but you know more than I and I'm grateful for that.

 

Thanks for all your help on this one so far.

 

Will keep you, Citizen8 (and anyone else reading the thread) updated over the next few weeks/months.

 

I need to talk to my friend over our general financial situ anyway.

 

Thanks again

 

Law

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Yes, as soon as you receive the next letter, pdf it and pop it on the thread for us to have a look at :)


Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy -

HERE

2: Take back control of your finances -

Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors?

Read Here

4: Staying Calm About Debt

Read Here

5: Forum rules - These have been updated -

Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

 

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Thanks Citizen - will do

 

Law

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