blackhorse finance

[mark co]

hi i ve got a caravan on hp with black horse finance

last week a man called round saying he had come to take it back

but we didnt let him i ve been on the phone to black horse to find out way

they said i had defaulted they never sent a letter saying that i had and that i had defaulted on 2 payments i said so how much do i owe they told me £350 which included this months

so i phoned them back to make a full payment off what was outstanding and then got told they have a court order to take it back i dont want to lose the caravan ive only had it 16months and if i knew i had defaulted i would have paid it straight away is there any thing i can do i ve not payed the 350 now

[Ell-enn]

I take it you have never received a claim form from the court ? As them for the court judgement order number and which court it was at

[mark co]

been back on to black horse asking for prove of the court order etc

now its gone from they have which was this morning and now they are applying for one

the woman said if i just hand the over the caravan that would be no court charges or anything else to but if we went to court and lose we would have the all court charges plus what ever was let to pay on it but we want to keep it and now just dont know which way to turn we offered to pay the amount what they said we owned plus we was willing to pay more on the monthly payments but nooo they want the caravan

[Ell-enn]

I suggest you make the payment anyway and then write to them stating that the account is now up to date and should they issue a court claim for the return of the caravan you will defend - you need to send the letter by recorded delivery.

 

Is it a hire purchase agreement you have? if so does it state on the agreement how much you need to have paid before they have to get a court order to repossess it ?

 

How do you normally make your monthly payments? I am just wondering how you missed 2 payments and Blackhorse didn't write to you to tell you.

[mark co]

we payed by dd but some one took money out of the account without our agreement so the bank put a block on the card till they got all the money back we told blackhorse this

dont have the agreement at hand at this minute yes its hire purchase

[mark co]

just been looking at the agreement and they have it down as a different model caravan

than to the one we have but made by the same company

[Ell-enn]

Is there a serial number for the caravan on the agreement and if so does it match with the serial number on the van ?

[MagnaCarta]

Is there a serial number for the caravan on the agreement and if so does it match with the serial number on the van ?

 

This seems to be a pretty sweet tactic BH use, this is by far not the first Caravan and / or Camper Vehicle been repro'd due to their own maladministration.