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We bought a car through Black Horse we traded the first car in after a year and got a bigger car and then we traded that one in and got another one thats the back story.

 

We then fell behind with payments and they reposessed the car that was approx 5 or six years ago

 

 

we were paying a token payment all we could afford to a DCA

 

 

this went on for approx 3 or 4 years and

 

 

then we got a letter back from Black Horse saying they were to be paid again not the DCA

 

 

we have continued to pay a token payment all we can afford there is a balance of approx £9,000 still outstanding.

 

Can anyone offer some help it will take forever to pay this off at the payments we are making.

 

Thanks

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VS or VT?

 

 

dx


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creditors have the habit of not tell people they can opt for Voluntary Termination

which mean you only have to pay upto the 50% mark.

 

they go for Voluntary Surrender [or tell you nowt]

and it defaults to that.

 

that means you owe the full agreement amount

 

as this is black horse

 

I bet you had arrears fee, late etc etc

repo fees

 

and all manner of unlawful/reclaimable insurances.

 

tell us the full story

 

go any paperwork still?

 

I take it you fell for the fleecing antics of a no powers DCA too?

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

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Thanks very much for the reply dx100uk

 

We have no paperwork at all,

 

 

as for the full story thats in my first post also as for VS or VT we cant remember

but they sent us a letter saying they would send someone to collect the car.

 

 

As for the DCA they fid not really bother us as long as we were paying the token payment..

 

 

Please feel free to ask any questions you may have regarding the post and we will answer them.

 

Black Horse said they would probably pass it on I take it they mean another DCA.

 

Can we ask for a copy of all agreements?

 

Can we ask was it VS or VT would they tell us?

 

Can we ask for a SAR and see what they have on us regarding paperwork sent and charges etc?

 

Thanks

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Send CCA and SAR requests as a first step


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Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

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Forgive me but what is a CCA I know a SAR is £10.00 does a CCA have a cost??

Thanks

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Cca request under s79, template in library costs £1


PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

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Thanks Oldrouge

That is the CCA and the SAR letters done will get in the post tomorrow

 

 

is there anything else we can do in the interim

 

 

Black Horse sent a letter and said the concessionay arrangement has come to an end

 

 

shall we pay the token ammount electronicaly to make a payment.

 

 

until we get the requests back and see whats there.

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when it s due.

 

 

looks to me you got had blind.

 

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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