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    • Replying to above  this was on the day that two store detectives approached me and my friend and took us into the back room and spoke to us when they explained they have been watching
    • as my learned friend above...and.. sadly because just like DCA's and initially yourself in this case, you believed they have some magical powers ...they DON'T. 85% of people blindly pay DCA's cause they know no better and think they are BAILIFFS. only the RETAILER can ever do court and none have done this on a silly member of joe public that did something stupid since the infamous 2012 Oxford case on retail loss. BAILIFFS can only ever be involved after you've been to court and lost a CCJ, fat chance re above... and anyway, no BAILIFF has any right of forced entry anyway on consumer debts even with a judgement so......... stop panicking and thinking everything that doesn't apply.. forget about them but p'haps a confidential GP visit might be a very good move... what slightly concerns me more here is:  who are 'them' that told you they'd reviewed a week of CCTV and come up with several shoplifting instances over that time amounting to the above? have you directly contacted or had contact from Sainsbury's? and know they HAVE done this? or is this DWF willy waving and they tricked you into  admitting several previous successful thefts... this is not the norm...  dx      
    • next step then await the N157 from her local court giving the time and date of a future hearing some month in the future. now she MUST file a witness statement 14 days (typically) to both the court and kearns .  so cant allow to much of a time lag before you are aware of that and get her WS done. wack us up 2 multipage pdf files please  one of what they returned for the CRP reply . and one for everything they sent back in 2022 you've found.  we do not need statements. ideally it would be nice to see their WS before hers is finally filed. dx  
    • Another interesting article in the Grauniad - Counterfeit barcode stamps furore carries echoes of Horizon scandal | Consumer affairs | The Guardian WWW.THEGUARDIAN.COM Royal Mail admits its scanners ‘make mistakes’ but stands by the process it uses to detect fakes as ‘robust’  
    • DWF can't do anything as they act for a client. In this case, Sainsbury's. Sainsbury's could take you to court and ATTEMPT to get a CCJ but it's unlikely. They had no interest in dealing with you at the time. All DWF can do is send out pointless threatograms. They'll threaten to divert an Iranian drone to your house if you don't pay. However, they can't attempt to get a CCJ against you. IGNORE THEM. It's more important now to understand why you were allegedly shoplifting, and you should speak with your GP and try and get yourself signposted to the support that's available.
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Black Horse Secured Loan / 2nd Mortgage arrears dispute FOS complaint


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I previously sent a CCA request as I could not locate the original that was taken out in 2001.

 

I received the attached edited copy but is I am not sure if this is correct ?

 

I then sent off an SAR and again received the same amongst details submitted.

Am I missing anything does anyone know ?

 

I've checked the forum for BH credit agreement examples but all seem to look different to mine.

 

Just one other question, should BH be sending me annual statements of some sort ?

 

Thank-you for looking.

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Cheers Ford - No nothing at all and are also missing.

 

I have been through all that was submitted and no T & C's.

 

Also received a letter advising that the secured loan (they state mortgage ?)

is being transferred to Skye Loans Limited ? I will post up regarding this on a new post.

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I received notification last week from BlackHorse advising that loan being transfered to Skye Loans Limited.

 

I today received a letter from Skye Loans advising that my mortgage has now been transferred to them (pressume they mean 2nd Mortgage ?) and that Mortgage Loan Account number has changed ?

 

They also state that there are no changes to the terms and conditions of my mortgage ? Will the original charge on my mortgage therefore change does anyone know ?

 

Has anyone heard of this company and can BH do this without my consent ?

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all is above board

 

if you look you'll see lots of BH loans have been sold to these people

 

 

dx

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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  • 2 weeks later...
Cheers Ford - No nothing at all and are also missing.

 

I have been through all that was submitted and no T & C's.

 

Also received a letter advising that the secured loan (they state mortgage ?) is being transferred to Skye Loans Limited ? I will post up regarding this on a new post.

 

Well I sent another chaser regarding my SAR details received.

 

Reply from blackhorse states that no further information available and that they have provided everything.

 

no Terms of Agreement details.

 

No Annual Statements.

 

No notice of interest rate increase correspondences.

 

No Notice Sum of Arrears details.

 

Regarding the above

is it correct that they have failed to comply with CCA 2006,

therefore the agreement is unenforceable

and they unlawfully charged me interest since October 2008 ?

 

Further to the above were Blackhorse regulated on loans pre 2005 ?

 

I am somewhat confused as they have quoted the Consumer Credit Act 1974 on an old arrears letter ?

I also see that they were part of the Lloyds TSB Group.

 

If they were not regulated at the time of loan in 2001,

should they still be obliged to provide annual statements since October 2008 ?

 

Thanks for any further comments but I am trying to find some clarity.

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Hi,

 

As far as I know Blackhorse are part of LLoyds however where loans, ppi etc are concerned Blackhorse act in there own right so there is no comeback on Lloyds, I read somewhere that the FOS won't look at Blackhorse loans ect pre 2005.

 

Have to say I'm not 100% sure on this, I'll see if I can find anything else that might clarify things.

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Thanks maroondevo52

 

I have been searching various Blackhorse posts and some seem conflicting where FOS are concerned.

Some have been up-held and some have been rejected so sorry for questions asked just need some clarity.

 

It's just that I have now located a previous Blackhorse secured loan agreement from May 2000

which clearly states that it was CCA 1974 regulated ?

 

I have no ppi on both loans but I am trying to ascertain the validility of the agreements in place

and that regulations were adhered to.

 

any further comments would be appreciated.

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I would say they are required to send annual statements

and if they don't/haven't, they cannot charge interest for the periods that they have not.

 

if this pre dates the rules change that requires they send statements annually, I'm not sure

 

but I bet, since the statement rule change change, they cant charge interest.

 

theres threads on this

but not specific to BH.

 

dx

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?230693-creditors-not-sending-statements

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?409518-More-loan-customers-could-be-in-line-for-refunds

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 again dx for your replies.

Its very much appreciated.

 

I will have a read up on the above.

 

Therefore anything after October 2008 I may have a case.

 

In the meantime I have again gone back to Blackhorse requesting copies of annual statements as part of my original SAR

and will post up their response once received.

 

 

I have never received anything of the sort only a run of the mill statement of account since passed to Skye Loans Limited.

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  • 2 weeks later...

Just an up-date

- I still have not received a further response from BH regarding statement details.

 

I have today though now received a letter from Skye Loans Ltd stating a default balance on the account and if not paid they will add interest and fees to the account at the same rate as the loan.

 

I do not recognise the amount mentioned and they have not provided a breakdown.

 

Can anyone advise what letter I respond with disputing the amount and stopping fees being added ?

Is there a current letter used does anyone know ?

 

They also state that my home may be repossessed if I dont keep up woth repayments on the loan :shock:

 

Thank-you

 

I have attached edited letter details.

 

My OH is getting worried and whether she should contact them to increase payments.

 

Any advice as to what letter / template to send.

 

Thank-you

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willy waving.

 

why not send skpe a CCA request

 

that could be entertaining.

 

dx

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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send a CCA request

 

 

£1PO leave it blank

don't sign anything

 

 

dx

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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Hi dx

 

Well received the attached agreement details (edited) today from Skye Loans

- can only pressume that BH had contacted them.

The agreement number has been hand written on and the refrence number quoted on agreement is completely different ?

 

They also advised that it was unregulated :shock:

Does this mean that they did not have to submit any annual statements since 2008 ?

 

I am somewhat confused as later letter correspondences received from BH quotes Consumer Credit Act 1974

and that they are regulated by the FCA ? Registered number 661204.

 

Now we had a prior secured loan on a previous property with BH Finance in 2000

in which I have located the agreement stating that it is CCA regulated ?

This was settled in July 2001 as part of our new mortgage when we moved

and later that year we required some extra funds

or further advance for home improvements, hence the latest loan.

 

Are BlackHorse and Black Horse Finance a seperate entity ?

Were Blackhorse part of Lloyds TSB ?

 

Sorry for further questions but need some clarity from any experts on here thank-you.

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Yes Ford same agreement details received from both parties yet no terms & conditions again ?

 

Yes I think you are correct about the limit.

 

I am just concerned about the legality of the agreement as we had not dated it, BH did and they have written the relevant account number on the agreement and quoted another reference number ?

 

I have requested on a couple of occassions what this refrence number refers to but the refuse to provide an explanation.

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