pt2537 v Black Horse Finance

[pt2537]

Hi everyone.

 

 

well sent my S.A.R on Friday 5th january 07 to Black Horse and DAMM they were quick the statements dropped on my mat this morning.

 

i have gone through the statements and i have worked out that they owe me 871.00 without the 8% interest.

 

im fairly confident with reclaiming my bank charges from Lloyds BUT im not so confident with Black Horse.

 

can anyone please tell me if the proceedure is the same for black horse loans as it is for reclaiming bank charges? i have looked through the forum and all i find are letters aimed at bank charges but nothing i have come accross says anything about reclaiming loan fees i:e late payment charges and returned direct debit charges. anyone who could offer a few pointers on how to proceed that would be great . its just i dont want to mess anything up by saying or doing the wrong thing

 

 

thanks

 

 

paul

[stan5131]

It is exactly the same process. You just need to change the letter slightly to say 'with regard to my loan' etc.

[pt2537]

Hi stansfield5131

 

thanks . that puts my mind at rest a little. its my first time reclaiming charges and its a very daunting task and i just wanted to make sure i "cross the T`s and dot the I`s" so to speak. dont want to give them any chance to wriggle out of returning whats mine.

 

i will be sending the preliminary letter in the morning asking for my money back and suppose i will have to wait and see what happens.

 

 

thanks for your help

 

paul

[stan5131]

Good stuff. Keep us posted. I will keep an eye on your progress.

[Lu1]

Hi pt2537

I was just checking through the threads for someone claiming back from Black Horse for a loan. I'm in the same boat, I'm claiming back from Nationwide at the moment but am annoyed with Black Horse and the way they treat you so thought I'd claim from these too - hey it's our money!!

Glad to see you are claiming back from them too - I will follow your thread to watch your progress

Good Luck

[pt2537]

Hi Lu1

 

firstly good luck with your claims.

 

i agree its our money that the barstewards have taken from us so why shouldnt we claim them back.

 

between me and the missus weve got 6 claims on the go now . weve got lloyds,B/Horse, egg ,the woolwich, GEcapital and barclays so it should be fun over the next few months

 

black horse have 14 days to respond now as they have recieved the prelim letter via special delivery today at 10 am so we will have to wait and see

 

i will keep updating the thread on here to keep everyone posted on my progress

 

regards

 

paul

[Milo19]

Could you tell me the address you used? Shall I use my local office in Gloucester?

[stan5131]

Yes, you can use your local office.

[mollymoo]

can the "collect activity fee" be claimed??

[pt2537]

Hi mollymoo

 

as far as im aware they can, they are fees that are just another name for late payment charges and should therefore be recoverable . atleast thats what i have been led to believe.

 

i will update this post when i get a response to my prelim letter

 

 

Regards

paul

[pt2537]

Well, 14 Days have passed and no sign of a reply from Black Horse regarding my prelim letter. so off went the Letter Before Action this morning . they have another 14 days then its off to the county court at southampton to file my claim.

 

 

does anyone know if this is normal for black horse to totally ignore the first letter?

 

 

regards

paul

[stan5131]

It happens a lot with loan companies and banks. Sometimes they dont even know whats hit them until you file a MCOL. That makes them sit up and take notice. As long as you have sent letters by recorded and checked they have been signed for, dont worry. You are doing OK.

[mrpromiscous]

PT dont worry I just got my claim paid in full by these muppets and they dont drag their heels nearly as much as Barclays or The Woolwich believe me !!! Its totally normal for them to ignore the first letter, the LBA they respond too as do most of the banks but it will be a "yea whateva" letter. Submit your claim, they'll acknowledge but settle as a "goodwill gesture" before entering a defence. Keep your chin up..... your about 1 month away from getting your money back matey

[pt2537]

Hi mrpromiscous

 

thanks .

 

its good to hear you have had success against Black Horse, i just wanted to ask what address did you use on the court form N1 for black horse?

i sent my prelim letter and LBA to their branch in southampton but im not sure what to put on the N1 form where it asks for the defendants address

 

thanks

 

paul

[mrpromiscous]

Paul this is the addy I used :

 

Blackhorse Finance

25 Gresham Street

London

EC2V 7HN

 

MrP

[Milo19]

I just started my BH claim. I sent a SAR on Thursday as i had to loan with these guys and PPI. You're a little bit ahead of me so we'll see who gets the payout first

[pt2537]

Thanks MrP

 

I will update this thread whne i get a response from BH

 

 

 

Good Luck Milo19 with your claim

 

 

regards

 

paul

[OldBear]

Hi PT,

 

First off, good luck with the claim. I've subscribed to your thread and will be watching.

 

I, too, want to go after these people re. my loan; not only because the charges are wrong, but also because of their attitude. I've spoke to some right rude sods from their collection centre.

 

The problem I have is that they haven't actually taken the 'late payment fees' from me yet, but "will add them at the loan's end." That said, they do ask for payment of them any time they ask for my payment if it's late in any way.

 

Anyone have a suggestion on how to change the wording of the Prelim letter to accommodate this situation?

 

MrP, is this how it was with you? Did you just use the bank template as normal?

 

Thanks in advance, folks.

 

OB

[stan5131]

Hi Oldbear. Yes you just reclaim these in exactly the same way. Dont forget that if they have added them to the loan, you will be paying interest on them too. Reclaim them back as you would bank charges and say you wanted them deducting from the debt together with any interest paid on them.

[OldBear]

Got you, Stan.

 

Thanks very much, **clicks scales**

 

OB

[stan5131]

Cheers Oldbear.

[gillytilly]

Good luck, Watching with interest. I have sent off my S.A.R already - good luck

 

Gilly

[GPM]

Hi Paul,

 

From reading some of the Black Horse cases, you might be waiting some time for a response Good luck, though, I hope they get their act together. I'll be following yours as I'm about to send the first letter to them myself. It's on behalf of my husband, and he's actually just sent off the final payment in the post this weekend, but received a letter saying 'additional charges have been attracted' so they 'propose' that we keep making regular payments to cover these charges. Can anyone tell me if we can 'propose' not to pay these charges and hold off whilst we go through the process of claiming this, or is it best to pay and then claim it back?

[pt2537]

Good Luck everyone with your claims against the black horse

 

ive just been told by my partner that black horse called today in response to my LBA saying they were dealing with my request and will be intouch shortly. i wont hold my breath but you never know they may change tact and pay up without the trouble of having to go to court.then again pigs may fly!!!!!!!

 

 

i will update the thread again when i know more

 

regards

paul

[Perseus]

Hi Pt, I hope you don't mind subscribing to this thread, I've got/had some horrendous problems with Black Horse already, and I'll be interested to see what responses you get - or contact names/numbers you've been given as I'm getting blanked all over.

I wish you luck with your claim, and hope that you actually get your delivery proofs-I've had 2 rec dels not signed by BH but sort of replied to weeks later!

All the best!

 

 

 

Hi Paul,

 

From reading some of the Black Horse cases, you might be waiting some time for a response Good luck, though, I hope they get their act together. I'll be following yours as I'm about to send the first letter to them myself. It's on behalf of my husband, and he's actually just sent off the final payment in the post this weekend, but received a letter saying 'additional charges have been attracted' so they 'propose' that we keep making regular payments to cover these charges. Can anyone tell me if we can 'propose' not to pay these charges and hold off whilst we go through the process of claiming this, or is it best to pay and then claim it back?

 

Hi GPM - did you receive any notification that you have incurred charges during the operation of your agreement? If not, I think it would be contestable that they have not properly notified you!

I would personally advise sending your SAR Special Delivery (to confirm it is received and signed for) and also send them a CCA request http://www.consumeractiongroup.co.uk/forum/debt-collectors-debt-collection/58105-moorcroft-my-dad.html?highlight=template look at post number 13 as a template! The sar and cca requests then place the account on 'hold' so to speak, whilst you get confirmation of where the charges have come from!

 

Best wishes