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Black Horse Loan Has Wrong Person Named and With My Signature.


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Good evening all.


I would greatly appreciate any guidance on this as its stressing me out beyond words.

My health is not fantastic at the moment and i am having to take numerous medications.


In Sept 2005 i had some windows from Crystal windows.

The man who came to do the financial forms etc asked if any one was on the mortgage with me, and

i told him my Mother was, he took her details and address, saying it was his companies policy to do so.

I made it quite clear to him that my Mother had nothing to do with the loan.

She does not live with me, but somewhere else.


The loan agreement went through and the windows were done.



i received letters from Black Horse and they had my Mothers name on,

i contacted them to be told the loan was in my Mother's name!


I asked them how that was possible when i had signed and filled in the forms. they would not have it.



i took all the paperwork i had to their local office, and they said they would sort it out.

They never did and the office closed down.

This was 8 years ago and the problem is still going on.



I have been paying the loan from my bank, since then.

Even though it is in my Mother's name.


Recently i was hospitalised with a suspected Brain Tumour and was off work for 6 weeks and unable to pay this loan,

they have sent a letter saying they will put a default on my Mothers credit report.

She is elderly and very upset by all this.


I have repeatedly contacted Black Horse, and both my Mother and i have sent in copies of our signatures and my paperwork.

They sent me back paperwork for the loan that is quite different from my copies.

they still insist my Mother took out the loan!


I contacted Crystal Windows to see if they could help.

I was told that the loan did go through in my name but was refused,

then put through in my Mothers name!

How can they do that!

My Mother did not sign anything!


It would seem the man who did the papers, afraid he would lose his commission,

put the papers through in my Mother's name, and changed the initial in front of my signature to match her name.

We share the same surname.


I asked for contact details for the man that came but was told they had none for him as it was over 6 years ago.

Black Horse want me to report it to the police but i have no name or details for this man.


Also it is clear this man forged the forms, as Black Horse have copies of 2 direct debit mandates,

one in my name, signed and filled in by me,

and another with my Mother's name and filled in by someone else, not by my Mother, with my bank details.

It is quite plain to see the writing is nothing like mine.


This is becoming a nightmare, as the loan is mine, with my signature, but with my mother's name and my address.


Can i go to court and have this cancelled as non executable as the details are all wrong?

And would i have to do it as i signed for the loan,

or my Mother as her name is on it?


Many thanks.

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I would be contacting actionfraud

they'll know the best what to do



my gut reaction is to stop all payments

and let them goto court.

however, would claim that be against your mother.?




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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Many thanks dx100uk i will look into them. Please any one else have any idea where i should start. Should i try and have this set aside by the court?


Any advice will be greatfuly appreciated.


Many thanks.

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