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Sanders vs Black Horse


Perseus
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Sent SAR 13th Dec to

 

Data Controller

Black Horse Ltd.

25 Gresham Street

London

EC2V 7HN

 

Over 400 in charges against a £600 account balance (without claiming interest!)

 

Time is ticking!

If my advice has helped, please click on my scales. Thank you!

MBNA - CRA file to be cleared then finished!

__________________________________________

Abbey Personal - Final LBA 28/5/7 - then Court

__________________________________________

Capital One - Final LBA 28/5/7 - then Court

__________________________________________

GMAC - Sent DCA SAR 9th March 07 - confirmed not legally assigned.

Waiting for GMAC to provide breakdown of charges and CCA under s79

__________________________________________

Alliance & Leicester - Final LBA 28/5/7 - then Court.

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  • 3 weeks later...

Hi there - a little bump,

 

20 days passed since SAR , I've received a letter from collections asking me to call them, a letter from Nationwide Collection Services Debt Collectors saying Black Horse have now referred the debt to them, a template letter from BH asking for :-

 

" We require payment of the balance under your agreement, within 7 dyas. This balance includes principal and contractual interest as well as default interest payable on late payments. In accordance with the CCA 1974, you will be allowed a rebate of contractual interest. This rebate will cary according to the actual date of repayment.

We may consider waiving this demand if you pay us £xxx.xx immediately, and agree to make all future payments on time."

 

There were also two other letters received virtually identical to the above - for 2 other customers quoting name,address,agreement no.

 

So - do I write again to Black Horse, copying to Nationwide Collection, and chasing the Data Controller - confirming to all that the account is in dispute - or should I do something else?

Thanks very much.

Happy New Year

If my advice has helped, please click on my scales. Thank you!

MBNA - CRA file to be cleared then finished!

__________________________________________

Abbey Personal - Final LBA 28/5/7 - then Court

__________________________________________

Capital One - Final LBA 28/5/7 - then Court

__________________________________________

GMAC - Sent DCA SAR 9th March 07 - confirmed not legally assigned.

Waiting for GMAC to provide breakdown of charges and CCA under s79

__________________________________________

Alliance & Leicester - Final LBA 28/5/7 - then Court.

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Decided to send letters to all confirming account in dispute.

Reminded Data Controller re 23rd Jan cut off for SAR

Told Nationwide Debt Collectors - account in dispute, pursuant to s10 DPA, asked for no further processing until resolved, and only then if so warranted.

 

Posting letters today - unless someone thinks not - before midday (I hope).

If my advice has helped, please click on my scales. Thank you!

MBNA - CRA file to be cleared then finished!

__________________________________________

Abbey Personal - Final LBA 28/5/7 - then Court

__________________________________________

Capital One - Final LBA 28/5/7 - then Court

__________________________________________

GMAC - Sent DCA SAR 9th March 07 - confirmed not legally assigned.

Waiting for GMAC to provide breakdown of charges and CCA under s79

__________________________________________

Alliance & Leicester - Final LBA 28/5/7 - then Court.

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  • 3 weeks later...

Just had it confirmed - Royal Mail lost my recorded delivery SAR !

Grrreeeaaattt.... :-(

 

New SAR off in the post in the morning, with CCA request.

If my advice has helped, please click on my scales. Thank you!

MBNA - CRA file to be cleared then finished!

__________________________________________

Abbey Personal - Final LBA 28/5/7 - then Court

__________________________________________

Capital One - Final LBA 28/5/7 - then Court

__________________________________________

GMAC - Sent DCA SAR 9th March 07 - confirmed not legally assigned.

Waiting for GMAC to provide breakdown of charges and CCA under s79

__________________________________________

Alliance & Leicester - Final LBA 28/5/7 - then Court.

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  • 3 weeks later...
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