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Csa cai/Merlin chasing old Black Horse Loan - Poss SB'd.

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I've received a letter from a collector csa cai on behalf of Merlin Europe II limited.

I believe this is to do with a blackhorse loan I got about 10 years ago.

 

I had tried to pay back a blackhorse loan back in full after 2 years, but they wanted £11,000 back for a £7000 loan I'd been paying for 2 years.

I refused and fought this case, the sum they wanted included PPI payments.

 

When the PPI scandal was eventually out, I won the case and I was compensated, and the loan amount was put down to just under £4000.

then received a letter sometime later from blackhorse stating that due to there wrongdoing and the fact I had to go through hardship whilst paying this loan, they would not be pursuing the amount anymore.

 

I don't have any letters about this case anymore, as this was now about 7-8 years ago.

 

I'm now receiving these letters from csa cai to recover this money, threatening CCJ and arrestments.

I live in Scotland so know there maybe different rules up here.

 

Any ideas how to go about this?

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did you take the loan out whilst resident in Scotland?

when was your last payment?

moved to the Blackhorse forum and retitled for clarity

dx


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

 

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Yes I took this loan while resident in Scotland. My last payment to blackhorse was 2010

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statute barred then

send our Scottish sb letter in the debt collection section of the library

dx

 


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

 

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Statute barred. Does this mean they are not allowed to collect? Sorry not good at all this legal stuff

 

And does this apply in Scotland?

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go read the letter I pointed too

dx


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

 

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