Ex wont sign Blackhorse PPI reclaim settlement form

[ibagyei]

I am trying to claim some ppi back that was a joint policy with my ex partner.

 

 

My ex partner has refused to sign it since 2010 so that the money can be paid.

 

 

She wanted a share but I explained to her that since we were still owing the (outstanding) loan was more than the ppi

they may subtract it from the loan.

 

 

I am the one responsible for the loan now since I live at the property so she said that she will not pay towards the loan even though we shared the loan.

 

 

The bank has refused to make payment until it is signed by both of us.

 

 

I spoke to her yesterday and she said that she is thinking about it but that is what she says everytime because she wants me to lose the property.

 

 

The Bank does not want to pay even 50% which I think it will still be unfair because I will still have to pay all the loan.

 

 

The Bank has now sold the loan to another company and they are chasing me for all the money.

 

 

Is there anyone who has claimed on a joint policy and has not be able to contact ex partner and succeeded in their claim.

 

 

Any help would be appreciated.

 

 

Thanks

[Stigman]

If it's a Joint policy, regardless who had the most income and paid the loan, then any PPI claims would be split 50/50.

 

If your ex-partner decides to pay you their share then that is up to them.

 

Because the loan has been sold on, any PPI will now go directly to the account holders and not to reduce or offset the balance.

 

Is this loan secured? If not

then the loan that has been sold on, both you and your ex-partner are jointly liable for the debt, the DCA can go after either or both but because you have been seen to be the one that is the most contactable then the DCA more than likely will choose you.

 

Stigman

[ibagyei]

The loan is secured and I live at the property.

 

 

I told my ex that I am happy to split the ppi money with her if they don't use it to pay part of the loan

but she should or will have to make payments towards the loan repayment

 

 

but she said that she will not pay towards the loan.

 

 

The original loan was shared by us.

 

 

The PPI is a over £10,000.

[dx100uk]

ring the FOS

[dx100uk]

it concerts me this has been sold on

who was the lender

ok theres you say £10k involved in the PPI, is that with 8% int added properly?

 

 

who was the lender too

 

 

is the charges still on the property?

[ibagyei]

Ok. Thanks. I will do that.

[ibagyei]

It was blackhorse. It is before the 8% is added. I believe the charge is still in place but it is in the name of Blackhorse as we have not signed any transfer.

[dx100uk]

and Blackhorse are coughing up?

 

 

have you got all the statements

 

 

you need to put EACH months PPI individually into this spread

 

 

this will give the true reclaim figure.

 

 

StatIntSheet v101.xls

 

 

prob why Blackhorse want you to sign it so quickly.

 

 

you can scan up the letter if you wish?

 

 

do they give a breakdown

and do YOU have the original signed agreement>??

 

 

HOW TO UPLOAD DOCUMENTS / IMAGES ON CAG IMMEDIATELY YOU DO NOT NEED 10 POSTS

.

IMPORTANT To protect your IDENTITY and ensure you remain ANONYMOUS on CAG

YOU MUST ensure that you REMOVE all Personal Information including Barcodes, Names, Addresses etc

.

ENSURE: To leave all Monetary Figures and Dates.

.

DO NOT USE A BIRO, PEN, SEE THRU TAPE OR LABELS TO EDIT THE INFORMATION

.

1. SCAN YOUR DOCUMENT

.

- Set your default scan page size to A4 less than 300 DPI (150 will do)

- Scan the required letters/agreements/sheets - as a picture (jpg) file

.

- Don't forget you can use a mobile phone or a digital camera too!!

.

- If you have multiple scans/pictures please put these into a WORD DOC first ensuring you have removed all Personal Information before converting to PDF.

if you dont have MSOFFICE, use openoffice its free and has a PDF converter.

- IPHONE ONLY: Take a picture and Convert to PDF via an APP

.

2. HOW TO EDIT (Remove Personal Information)

.

- Do this using MSPAINT.EXE or any Photo Editing program and ensure to save the document.

PLEASE TRY AND REFRAIN FROM POSTING FILES OF +1Mb in size

a single sheet of a4 should be about 50kb.

.

.

3. HOW TO CONVERT YOUR DOCUMENT TO PDF

.

- If you have OFFICE installed this has an installable PRINT to PDF option so use this and save as PDF.

- If you have PDF as an installed driver use this program and save as PDF.

.

OR Go to one of the many free online pdf converter websites:

.

- http://freejpgtopdf.com/

- http://www.convert-jpg-to-pdf.net/

- http://www.freepdfconvert.com/

- http://www.pdfmerge.com/

- http://www.primopdf.com/

.

PLEASE REMEMBER: It would be better to upload a Multi-page PDF rather than multiple Single PDFs.

.

4. BEFORE UPLOADING YOUR DOCUMENT ON CAG

.

- Logically Name your PDF File so Users know what it is. DO NOT NAME YOUR FILE USING BANK NAMES OR CAG IN THE TITLE

.

- For Example: Default Notice DDicon-MM-YYYY.

.

IMPORTANT To protect your IDENTITY and ensure you remain ANONYMOUS on CAG please ensure that you do a final check that all Personal Information including Barcodes, Names, Addresses etc. are REMOVED before carrying out the NEXT STEP

.

5. HOW TO UPLOAD YOUR DOCUMENT ON CAG

.

- In your Thread/Post open a new msg box here.

- Click 'Go Advanced' below the msg box.

- Click 'Manage Attachments' below that box.

- Click the 'Add Files' button on the top right.

- Click 'Select Files', navigate to your file(s) on your PC.

- Click 'Upload Files'.

.

- You DON’T have to put a link to the attachment in the msg box just upload it ……… JOB DONE

- You can click on your links to check them too!!

.

[dx100uk]

not being funny but your ex might just have done you a favour

its rare BH cough

even rarer the correct amount!

 

 

dx

[ibagyei]

Just spoke to my ex and she is still refusing to sign.

 

 

It looks like she was trying to claim half of it but she said that they sent her a form requesting a lot of information which she does not have.

 

 

I asked her why she was trying to start another process when it has already been accepted over 4years ago.

 

 

She said I was shouting (her usual trick) so I said okay bye.

 

 

It is all about taking and cheating the other person with her.

 

 

She wanted to collect it without my notice so that I will be left with the payment.

 

 

She said she is entitled to half of the ppi but she is not responsible for the loan payments.

[ibagyei]

Thanks. I will look for the payments and put them in the spreadsheet. A major part of the loan was outsanding when they sold it off.

[dx100uk]

if her name is on the agreement sadly legally she is

 

 

have you done this reclaim properly or simply sent a speculative letter to BH?

 

 

dx

[dx100uk]

bet you've arrears fees [fixed sum penalty fees] too?

 

 

dx

[ibagyei]

It was a single premium ppi that was added to the loan.

[dx100uk]

as they all are for loans

 

 

dx

[ibagyei]

Yes. There were arrears and fixed sum penalties.

[Stigman]

She said she is entitled to half of the ppi but she is not responsible for the loan payments

 

So she wants her cake and eat it too - she cannot have it both ways, if she is on the agreement then she is entitled to a 50/50 split of the PPI but she also is jointly responsible for the loan. Or she is not responsible for the loan and therefore is not on the agreement and cannot claim PPI.

 

However, PPI and ex-arguments aside - because you are living at the property, it is in your best interests to deal with this because the loan is secured.

 

Stigman

[ibagyei]

I will call Blackhorse tomorrow and try and resolve it by requesting a final figure from them and tell them I don't know the wherebouts of my ex because I don't know where she lives. That will give me an indication of how to deal with it after the sale of the loan. I will call FOS as well.

[dx100uk]

Yes. There were arrears and fixed sum penalties.

 

 

then you need to put those in thi sheet

at their int rate

 

 

put that in cell d15

 

 

CISheet v101.xls

 

 

 

if BH have not told you the figure for PPI reclaim

or even if they have

 

 

I would pers not be accepting the offer without the PPI spreadsheet results.

 

 

dx

 

 

I'd

[ibagyei]

Thanks dx. I will do that.

[Stigman]

I will call Blackhorse tomorrow and try and resolve it by requesting a final figure from them and tell them

 

If Blackhorse have sold the loan then it is very unlikely that they will accept a full and final.

 

They will just refer you to the DCA who purchased the loan.

 

Any full and final settlement must be in writing, it must also stipulate that the charge will be removed, that any outstanding balance will be written off and not sold on to any third party.

Without that, I would not part with any money for a full and final settlement.

 

Stigman

[ibagyei]

Sorry, Stigman. I was referring to the ppi refund amount, not the loan settlement amount. Or are you saying the DCA is now responsible for the ppi refund?

[ibagyei]

I queried the loan amount that the DCA is claiming and

 

 

when I called Blackhorse, they said they have sold the loan so they can't deal with me so I should ask the DCA to call them which I did.

 

 

I wanted to know if they froze the interest as they told me they will and how they arrived at the final figure.

[Stigman]

Sorry, Stigman. I was referring to the ppi refund amount, not the loan settlement amount. Or are you saying the DCA is now responsible for the ppi refund?

 

Just for clarification - any reclaims of charges or PPI always claim off of the original creditor which in this case is Blackhorse.

 

For the debt which is now sold, you will have to come to an agreement with the DCA unless you had a repayment schedule agreed in writing with blackhorse before the loan sale & although the DCA's do not like it & throw their toys out of the pram the DCA has to honour it.

 

Stigman

[Stigman]

I queried the loan amount that the DCA is claiming

 

Have you all of the Blackhorse statements or can you still access your Blackhorse online account to obtain them and print all statements off?

 

Is the DCA adding charges and/or interest?

 

If not then you will need to send Blackhorse a SAR request, these do cost £10, the template letter is on the top tool bar in the Library section, you will get back all statements, logs, notes, copies of letters etc.

 

Have you checked your Credit File to see if the debt is listed, if it is if Lowell's have updated etc.

 

Stigman