Jump to content

 

BankFodder BankFodder


Baz1994

BlackHorse Secured Loan now with Skye Loans Limited

style="text-align:center;"> Please note that this topic has not had any new posts for the last 1097 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

hand written agreement number

 

 

urm..no dice me thinks

and no T&C's


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, the whole DCA industry would collapse overnight.

 

 

Share this post


Link to post
Share on other sites

Cheers dx sorry been away over weekend.

 

So what would be my next step - shall I push again for details and query why the hand written agreement number has been entered ?

 

They did quote a completely different typed reference underneath but I have asked twice what this is in relation to but no explanation ?

 

I again received today a letter from Blackhorse claiming that they have sent everything that they are required to as part of my SAR and even Skye Loans Ltd sent a copy of the same document but again no t & c's ?

Share this post


Link to post
Share on other sites
second thoughts, maybe no limit, the 25k re being business. unless that was applicable at the time?

maybe re something else, check this partic re p3 'fsa regulated mortgages', second charge being regulated.

http://www.fieldfisher.com/media/1762852/Lending-to-individuals-203384921.PDF

 

Thanks Ford I will have a look later.

Share this post


Link to post
Share on other sites
send a CCA request

 

 

£1PO leave it blank

don't sign anything

 

 

dx

 

Hi dx

 

Response to my CCA request received today from Skye Loans Ltd.

 

They have cashed my cheque and submitted the exact copy of Credit Agreement in post # 1. Still no T & C's or no requested booklet of standard loan terms.

 

They have also stated that the mortgage account is unregulated and therefore not governed by the CCA 1974 & 2006 :-(

Share this post


Link to post
Share on other sites

Further to my earlier post I received an arrears amount letter from Skye Loans last month in which I disputed as no breakdown in what it was in relation to.

 

They acknowledged my dispute letter and said that they would liaise with BlackHorse for further details.

 

Well today I received a further arrears statement letter from Skye for a different amount but including the previous arrears but now they have also included added fees ?

 

Do I send another dispute letter or is there a further template letter to use ?

 

Apparently after reviewing SAR details from BH, it now transpires that the original loan was CCA regulated but then refinanced with an additional amount (See attached) in which is not ? Also the agreement number was handwritten.

 

Thank-you for looking

Share this post


Link to post
Share on other sites

Be very careful because this is how my problem started I asked for a breakdown of charges and fees!

Share this post


Link to post
Share on other sites

Thanks Chelliebelliew and I have seen your post.

 

I have already disputed the amount in writing under FCA regulations but will take note of your comments when dealing with them.

Share this post


Link to post
Share on other sites

I received another letter from Skye Loans today and again totally ignoring my previous Account in dispute letters

 

 

requesting that I urgently contact them by telephone (they do not have my new number) to discuss.

 

There was a previous arrears amount with BH in which I disputed as they had not provided any evidence as what it was in relation to.

 

I had previously requested that all correspondence should be in writing.

 

They have also again added default fees to the account and said that interest will also be added.

 

Any idea as to what I should do next ?

 

Thank-you

Share this post


Link to post
Share on other sites

Further to my earlier posts, has anyone else taken out a BH secured loan (unregulated) around 2001 ?

 

If so did you receive one loan agreement and one legal charge documentation or one combined agreement ?

 

Thank-you

Share this post


Link to post
Share on other sites

I just wondered if anyone had any further comments to the above thanks.

 

Latest is that we are now being constantly chased by Skye regarding disputed arrears amount.

 

Skye Loans are still refusing to accept Account in Dispute letter and are adding fees every month.

They still cannot provide evidence of the original arrears amount.

 

They are now pressurising us on a daily basis with threatening letters

and constantly calling my OH mobile number in which we believe was given by BH.

 

She eventually answered it and had a conversation with an Arrears Officer at Skye

who was rather rude to say the least and had my OH in tears.

We are now extremely worried and concerned.

 

They said if arrears not paid then they would start court action

and asked if we had any equity in our property to sell our house to pay of disputed arrears amount of approx £2,600 !

 

My OH said that the balance keeps increasing even though she has been making regular monthly payments.

They also suggested that if amount is increased then it will be paid off by end of term of original loan.

 

They have now today sent another letter asking us to complete an expenditure statement,

to provide 3 months pay-slips and bank statements within 7 days.

They also say that they will continue to add default fees whilst the account still has arrears.

 

Now both of us are at our wits end what to do next especially as we are now being constantly harassed.

 

We are sure something does not sit right with this but don't know what to do next.

Do we need to complete what they have requested or agree to demands for bank statements ?

 

Do we need to send a SAR ?

 

We see that Skye are regulated by the FCA.

 

Any help would be very much appreciated thank-you.

Share this post


Link to post
Share on other sites

You must stand up to them

 

Yes Sar

Yes get reclaiming

I think its time for a CCA too

Something smells here

 

Can we have the full history with dates please

 

Stay off that phone!!

Block them

If they could do any of what they say

They would do it

Not willy wave!!

 

Who's name is on the land registry now


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, the whole DCA industry would collapse overnight.

 

 

Share this post


Link to post
Share on other sites

Ok thanks again dx

 

I will collate and respond in detail as soon as possible with dates etc.

 

I have attached edited BH agreement details.

 

Now Skye Loans Ltd on Land Registry.

 

Shall I draft up another account in dispute letter regarding the arrears and claim back charges ?

 

Cheers for looking

Share this post


Link to post
Share on other sites

Sorry with agreement.

 

Does not seem to be letting me attach details ?

Share this post


Link to post
Share on other sites

Not exceeded upload limit again have you?


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, the whole DCA industry would collapse overnight.

 

 

Share this post


Link to post
Share on other sites

Stupid tablet ...war.

 

SAR them yes


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, the whole DCA industry would collapse overnight.

 

 

Share this post


Link to post
Share on other sites

Yes Ford and now things have moved on.

 

Skye are pressurising us now regarding arrears.

 

Monthly payments due are being made but interest keeps increasing.

 

Not a nice outfit to deal with according to my OH.

 

Ignoring Account in Dispute Letters, requesting that we sell house / equity to pay arrears.

Share this post


Link to post
Share on other sites
Stupid tablet ...war.

 

SAR them yes

 

Ok thanks again dx and probably will do anyway.

 

I will check attachments and delete some old ones.

Share this post


Link to post
Share on other sites

threads merged.

 

 

this whole debacle smells

 

 

dx


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, the whole DCA industry would collapse overnight.

 

 

Share this post


Link to post
Share on other sites

Thanks for that dx

 

Much appreciated, will try and load up agreement asap

Share this post


Link to post
Share on other sites

Can some kind soul kindly confirm Skye Loans Limited Data Protection Address thanks.

 

Would it be the PO Box address in Ipswich or registered address in London ?

Share this post


Link to post
Share on other sites

the address on their statements will do


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, the whole DCA industry would collapse overnight.

 

 

Share this post


Link to post
Share on other sites

OK thanks dx

 

Couldn't find any website for this outfit.

 

Presume they are a DCA and not a loan company.

Share this post


Link to post
Share on other sites

reg'd office London 40 dukes place?

no not a dca


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, the whole DCA industry would collapse overnight.

 

 

Share this post


Link to post
Share on other sites

they are capita mortgage services ltd

 

 

http://www.capitamortgageservices.co.uk/contact-us.cshtml


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, the whole DCA industry would collapse overnight.

 

 

Share this post


Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...