Idem Servicing on Black Horse Car Finance

[tomlake58]

Hi All

 

Please bare with me here.

 

I had a car finance in 2007 and

 

 

in around 2009 I gave the car up because I was made redundant which I thought was the best thing to do.

 

 

As I had paid less than half the loan back

they sold the car and I was left with an outstanding debt of around £1500.

I still believe to this day that I have was well and truly stung because the price they sold the car at.

 

Fast forward to June 2014 and

 

 

I receive a letter from Idem servicing saying that they are taking the debt on

and that my normal payment plan will continue.

 

 

Reading some of the other threads I have seen this company pop up

but it seems to be only dealing with MBNA and Loans that are secured on properties.

 

I have tried to contact Idem by email like it stated in the letter

but to this day have had no response from them.

 

 

I have drafted a letter together for a CCA request

but in the past I know that this doesn't always help

because of the case between someone and HSBC with the judge

stating that a copy is enough evidence to prove.

 

Im slightly worried that they have not contacted me further by phone or email

to try and arrange further payment.

 

 

Also I have a mark from black horse on my credit report which will be in the 6th year in July 2015.

 

 

Will idem put another mark on my file or because its the same debt will it still disappear after July 2015.

 

Any help would be appreciated at this moment in time

 

Tom

[theoldrouge]

Hi Tom and welcome to CAG

 

Did you receive a response to your cca request?

 

Did you sign a form of voluntary surrender

 

or did you request a voluntary Termination of your agreement?

[theoldrouge]

just to add no they cannot mark your credit file after 6 years from date of default

[tomlake58]

Hi Tom and welcome to CAG

 

Did you receive a response to your cca request?

 

Did you sign a form of voluntary surrender

 

or did you request a voluntary Termination of your agreement?

 

I hasn't received a response as of yet for the Cca

 

Also from memory I believe I signed a voluntary surrender form. I will have to double check

[theoldrouge]

ok, so they never advised on vt then? how close were you to 50%?

 

though you can of course vt at any stage.

 

Any charges or insurances added?

[tomlake58]

I was about 3 months from 50% again ill have to double check. the only charges added were around £400 for debt collection agency fees which I have tried to challenge in the past

[dx100uk]

no such things as debt collection fees

 

 

smells like you've been had.

 

 

I bet you got done on repo fees too?

 

 

might be an idea to get an sar off to BH

 

 

unless you have ALL the paperwork and the statements still?

 

 

you're in good hands with TOR

 

 

dx

[tomlake58]

I think I will get the SAR off to black horse. With this will they have to send me all correspondence they have had with any debt collection firms.

 

With regards to the fees added these were for the account to be passed to another company to chase the debt!!!!

 

Im being dumb what is TOR

[dx100uk]

the old rouge

 

theres certainly no legal remit to allow BH to charge any transfer of debt fees.

 

who suggested the VS them?

 

dx

[theoldrouge]

sorry I couldnt get back to you tom last night due to local power cut.

 

As soon as you receive your responses from your sar and cca requests,

 

post them up here minus personal details. The comms log with the sar

 

should be very useful for details surrounding the vs of your car.

 

From the bare facts that you have posted so far, imo as you were so close to the 50% mark

 

on your agreement, you may well have the basis of a complaint (as well as your charges reclaim)

 

in that you were not treated in a fair and reasonable manner by Black Horse.

 

No doubt Black Horse would disagree in the name of profit,

 

but just the sort of thing that the fos may be able to help with

[tomlake58]

HiWhere is the best place to send for the SAR and also do I send this to black horse or the debt company.also the CCA is that from black horse or the debt companyCheers

[dx100uk]

sar to BH

 

CCA to idem

 

have you moved since you got the loan?

[tomlake58]

yh I've been advised to put my old address on the sar

[dx100uk]

sign it to

and inc a copy of say a CTAX bill.

 

don't sign the CCA

leave the PO BLANK

[tomlake58]

so sign the war but do not the cca

 

is that correct

[tomlake58]

so sign the sar but do not sign the c/a

 

is that correct

[dx100uk]

yes yes

[tomlake58]

Hi allHow will I challenge the debt collectors fees. I should be able to get a copy of the letter popped on here tonight so everyone can see what rip off merchants they are

[theoldrouge]

The Charges reclaim will form part of your Formal Complaint, along with other matters when you have received a reply to your sar

[tomlake58]

Hi All sorry its been a while but ive managed to find the letter which has the debt fees of. only around £400 robbing *****. Is there anyway these can be reclaimed back from them.Cheers

[dx100uk]

per details showing un-approved

 

dx

[tomlake58]

I'm confused

[dx100uk]

your attachment was not redacted

 

dx

[tomlake58]

what do I need to do then

[dx100uk]

get reclaiming me thinks

 

did you get all the statements?

 

dx