pt2537 v Black Horse Finance

[pt2537]

Hi All

 

 

Well IT SEEMS TO HAVE WORKED!!!!!!!!!

 

im not holding my breath at this stage though,but i had a call from the manager at southampton finance centre saying that "BYRON" whoever he is at head office has authorised my refund in full.apparently they didnt want to fight in court as " they didnt feel they had a reasonable prospect of winning and may incurr extra costs" ( NO SH!T)

 

so i have been promised a full refund within ten days so i am putting the claim on hold for ten days and not a minute longer. i have as a precaution filled out the 3 copies of the N1 form and 3 schedules of charges just in case

 

anyway good luck every one and i will update this post in ten days or so

 

regards

paul

 

next on the list...........................

 

BARCLAYS

LLOYDS TSB

THE WOOLWICH

GE CAPITAL

EGG

[Perseus]

A cautious and tentative WELL DONE!

Nice one PT, fingers crossed it all goes to plan eh?

 

Best Wishes.

[OldBear]

A cautious and tentative WELL DONE!

Nice one PT, fingers crossed it all goes to plan eh?

Absolutely!!

 

Agree about being cautious, though. Keep us informed, PT; I'm sure we'll all be watching with interest.

 

OB

[pt2537]

Hi Perseus & OldBear

 

 

Thanks,

 

im being a little cautious at the mo as i dont trust them until the money is in my bank account. it sems that they are genuinely gonna pay up but we will have to wait and see. i will update everyone once i hear from them

 

regards

paul

[joesoap]

PaulByron Rees (what else) is the contact name in Cardiff that the compliance section in Barnet gave me. Hope he gives me the same response. If he doesn't, I'll set the Bigg Market girls on to him. Not a pretty sight on a Friday night after two gallons of ale etc.Well done anyway and here's hoping they pay up. Are they sending a cheque or paying it in to your bank account? Not LTSB I hope.all the best mateIan

[pt2537]

Hi Ian,

 

I hope you get the same response as me . fingers crossed.

 

 

they are supposed to be sending me a cheque and it was supposed to have been raised today so hopefully it will arrive in the next few days although they asked me to give them 10 days to make sure it arrives.

 

good luck

 

regards

paul

[joesoap]

Hi Paul

 

Would just like to check something. As my LBA was signed for on 2/2, does the 14 days start from thart date and I assume as it's 14 days, week-ends are included. I ask because if this is correct, my 14 days are up on Friday, 16/2 and my loan payment date is the18th. if I get what I've asked for, my remiaining balance would be wiped out so I'm looking to keep the next due payment. Any thoughts?

 

Your lass spent cash yet?

 

Howay the lads

 

Ian

[pt2537]

Hi Ian,

 

nah she hast spent it yet ( only because it hasnt arrived) .

 

its my understanding that you are correct regarding the LBA. i would give them til the 16th to reply and on the 17th if you dont get teh answer you want then i would be off to court. i think you are gonna have to bite the bullet and pay them this month though just incase the money dont come through in time or they dont give you the answer you want

 

 

good luck

 

regards

paul

[joesoap]

Paul

 

Cheers. I could be back later to pick your brain.

 

Ian

[joesoap]

Paul

 

Just had some boiler from Black Horse on the 'phone to tell me that they will be writing to me asap as we've got that many claims to look at. I politely reminded her that she had until Friday as the fourteen days were up. A pause while she put me on hold, she obviously didn't realise the deadline. She came back and informed me that she would have a word with her boss when he came out of a meeting and get back to me within the hour.

 

A few minutes later while writing this, true to her word, back she came. She had had a word with the gaffa and agreed to pay up and the refund would be offset by the balance of the loan. I'm happy with that as I've still ended up with 280 quid plus the fact that I no longer have to pay out 75 quid a month. This is my first experience but may not be my last. Trouble is, I defaulted on credit cards and the debts were sold on. Instead of chasing up charges on these particular cards, perhaps I should ensure that the DCA's have the original agreements, if not, maybe I have no credit card debts after all.

 

Extra money will come in handy as No1 son gets married at Easter, wor lass will no doubt, want a new frock. The cheque is supposed to be raised today, but I know from your experience that they may stall. They will be fools if they do!

 

Cheers

 

Ian

[pt2537]

Hi Ian,

 

im please for you, at the end of the day its the result you were looking for

 

i think you need to look into the credit card situation as there is a lot of things that need to be considered such as if the debts have been properly sold on to the DCAs and if they have signed agreements etc.

 

but at the end of the day ,again its your money they have taken and you have the right to get it back and you should also be able to get the defaults removed from your record if i am right

 

i will keep my fingers crossed for you and i hope the money comes through for you shortly

 

regards

 

paul

[joesoap]

Hi Paul

 

Have you got your cheque yet? I'm counting how many days it takes. If I don't get mine on Friday I just might 'phone BH up and demand an immediate bank transfer. after all, we could have went to court.

 

Ian

[pt2537]

Hi Ian,

Nah Nothing yet although i did agree to allowing them ten days to get the money to me .they have til the 23rd feb so they have a little while yet. i gave them this time so that if it does end up going to court it will go in my favor as i have been more than reasonable and im pretty confident that a judge will agree. i think( only my opinion) it would be a good idea to allow them til next friday then give them a call, that way they have the weekend to get the money to you and if they dont then i would be at the court first thing monday to file the N1. at least you will have been as reasonable as possible in trying to settle the claim out of court.

once again its only my opinion.

good luck mate

paul

[pt2537]

WELL, that postie has just been and delivered me 2 cheques from black horse totalling up to the full amount of my claim so its fair to say now that

 

i won

still got lloyds tsb, barclays , Ge Capital, EGG, The Woolwich to tackle so its not over yet.

[Perseus]

excellent news pt - well done you!!!

All the best

P

[joesoap]

Nice one pt, fingers crossed for the rest. Using my dulcet geordie tones I might give BH a ring the safter and remind them I could have went to court tomorrow. Early days for my cheque I know, but?

 

Ian

[pt2537]

Hi Ian, did you call Black Horse today ?

 

just curious if they have paid you yet

 

regards

 

paul

[joesoap]

Hi Paul

 

Yes I did and they said it's "left our office". After working in the civil service for thirty years I know what that means.

 

Don't let your lass spend too much of your pay out!

 

All the best.

 

Ian

[pt2537]

Hi Ian,

 

well they have been good to their word so far with me so lets hope that you get a nice little letter like i had saying

 

 

Dear Sir/ Madam

 

in response to your recent request, we have pleasure (YEAH RIGHT) in enclosing a refund cheque for 417

 

 

yours faithfully

 

blah blah blah

 

thats what i got this morning x2 one for each account

 

good luck and i will keep my fingers crossed for you

 

paul

[OldBear]

Great news Paul. :D

 

These guys are next on my hit list; just got a statement from them telling me they will be adding a £12 "Collection Activity Charge" to be collected at the completion of the agreement with all the other charges I have accumulated over the years. No phone calls, no letters, no indication of what they actually did to merit it.

 

Are they ever going to see that £12? To use your words... "Yeah Right" or as I would say, "I don't think so!"

 

Anyway, enough about me, let's just celebrate your win(s). Yours too, Ian; WTG, chaps.

 

OB

[debt_mountain]

WELL, that postie has just been and delivered me 2 cheques from black horse totalling up to the full amount of my claim so its fair to say now that

 

i won

still got lloyds tsb, barclays , Ge Capital, EGG, The Woolwich to tackle so its not over yet.

Well done PT. Did you claim 8% or the contractual rate?

[pt2537]

Hi Oldbear,

 

it would appear that black horse have atleast for the moment given up fighting claims ,atleast thats how it appears based upon mine and ians cases

 

good luck with your claim, i hope its as smooth as ours

 

 

Hi debt mountain,

 

unfortunatley i didnt get the chance to charge them interest as tehy settled when i sent the LBA so no 8% interest

 

oh well i will save the interest for lloyds tsb instead,

 

regards

 

paul

[joesoap]

old bear

 

When I spoke with BH on Monday the amount they said they would pay differed from my amount by twenty five quid. I knew it would as my statement also showed "a charge of 25 quid would be collected on completion of the loan". BH quickly backtracked when I quickly pointed out that the whole idea of all the claims they had received was the high rate of charges; thick or what?

 

Ian

[OldBear]

Well, what a bunch of rotters they are!! :p

 

I called them today about the charges to be collected and they waived them there and then, both accounts. No fight, no argument, just the loveliest customer service lass you could ever speak to.

 

Not only did she do that, but she's also going to try and get me a full statement of account (showing all transactions) for the closed loan account they took hundreds in charges on.

 

Some people, huh?!!

 

OB

[joesoap]

OB

 

What a bunch of big soft sh***s. I must have softened them up last week with my dulcet geordie tones. They'll be hearing them again shortly 'cos I haven't got my cheque yet; although it is only five working days.

 

Did they say they've raised payment today? Start counting for payment.

 

Ian