Black horse - Idem

[roy jukes]

Several months ago

 

i received a letter from Idem saying black horse had sold my debt to them

at the same time i received a letter in the same envelope from Black horse confirming this,

Both letter stated that if i was on a scheme this would be honoured,

 

Black horse froze interest rates on my account in 2007 i was on a repayment only scheme,

i thought nothing untoward until

 

i received a letter from idem saying to ring them to set up a payment plan,

The amount owed differed from what i actually owed,

 

i rang them and they told me interest was being charged, i explained i was on an repayment only scheme.

 

They said they would write to Black horse,

 

i left it 3 weeks and contacted Black Horse they have not received any letter,

 

However they said they would pursue this and

made 2 telephone calls to them

 

i phoned Idem and they confirmed they had received the calls,

 

Now 2 months down the line and 5 letters latter to Idem ,

they have not replied or made any effort the honor the agreement with them or Black horse,

 

any ideas or help please both my wife and myself anr well into retirement age

and don't want the aggravation of these types

[dx100uk]

if BH has sold the debt to idem

then odds on there is something toxic about it.

 

 

tell us about the debt please - its history.

 

 

did BH get PPI or any others insurances out of you

[was it a loan or car finance?]

 

 

and I bet they've been charging arrears fee or late/over/letter fees

 

 

all of these are reclaimable.

 

 

if you had an arrangement with BH, idem are duty bound to keep it

 

 

as for re addin the interest again

that's a typical trick they use to inflate the debt

they CANNOT do that.

 

 

big tip: NEVER EVER TALK ON THE PHONE TO A FLEECING DCA

 

 

they ARE NOT BAILIFFS

 

 

and have

 

 

NO SUCH LEGAL POWERS.

 

 

if this debt if from pre 2007 odds on they wont have any paperwork to legally enforce it

 

 

send idem a CCA request.

 

 

dx

[roy jukes]

it was a secured loan going back some 20 years original owner Ceder holdings to be fare Black horse have been very good its just this Idem people

[dx100uk]

smells

 

 

get an sar off to Blackhorse

 

 

and a cca request to idem.

 

 

I smell a cash cow account

 

 

most Ceder holdings were littered with PPI and other insurances

that you didn't need/want or even require

to get the loan.

 

 

LOTS of reclaiming to do if you can get the statements.

 

 

I bet you've not been getting those either?

 

 

dx

[theoldrouge]

do you have the original agreement?

 

virtually all Cedar Holdings secured loans at that time

 

were sold through brokers

 

with ppi attached

[roy jukes]

cca request sent signed for and received on 16 dec but no reply as yet how long do i leave it ???

[dx100uk]

until/unless they reply with an enforceable CCA

they've exceeded the 12+2 WORKING days deadline already

 

 

so if you were/are making or thinking of paying them anything more can now stop

 

 

dx

[dx100uk]

hows the sar going to BH?

 

 

is the charge still there on land registry?

 

 

dx

[roy jukes]

well after a long battle and many letters Idem (idiot-demensied-evokive-morons) finaly agreed that i was in a agreement with Black Horse and stopped charging interest , they sent a final response and a C/Q for £50.00 for the danages they caused me with unnessary phone calls. well this was not my fainal response , i sent a further 2 letter asking for my mony back and recieved no reply. by now i had paid the debt off i recieved a letter telling me my account was now satisfied and my requests for repayment would not be met. I then sent a legal letter (before court action) and recieves a letter from a director saying they were going to re-open the case (10 days ago) so all is not lost. i will go to court for £35.00 it would be well worth it just for the sake of it. If i win and they do not pay am i right i cannot use Balliffs or high court agents to collet as the amount claining is only £259.00

 

2 hours later

 

post man brings me a C/Q for £272.00 from the itiots so it pay with IDEM(idiot-demensied-evokive-morons) to keep writting

Edited July 30, 2015 by roy jukes
just come in the post