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Understanding Statements From Black Horse


stuflo
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Can anyone help - I have received my statements from Black Horse - had 4 past agreements with them - they do not list their charges as such - one statement says charge for late payment fee £42.00, another lists

 

DDR lack of funds c - but no charge listed - there are 8 listed in total - on the next page there is a collect activity fee of £75.00 - and then charges of over £2,000.00 - don't therefore know how much I have been charged.

 

Can anyone tell me what they have put down for a returned DD fee please

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can anyone help please

Kendraflo:confused:

 

Halifax - S.A.R 8/9/06 - Overdraft facility removed 21/9/06 - threat to close account - Default Notice lodged 06.10.06

Mint - S.A.R - 8/9/06 - Statements received 03.10.06 - Prelim letter sent for £268.13 03.10.06

First Direct - S.A.R 8/9/06 - Statements received 21/9/06 - Prelim letter sent 21/9/06 for £410.00 - settled in full

First Direct - S.A.R 21/9/06 - for husband's old account

Barclaycard - S.A.R 8/9/06 - Statements received 16/9/06 - Prelim letter 18/9/06 for £496.25 - Part offer received 22/9/06 for £228.00 - Rejection letter sent 25/9/06 - MCOL issued 8.10.06

MBNA - S.A.R 8/9/06 - Partial offer received 6/10/06 - full offer & interest received on 6.10.06

ACE CARDS & GIFTS - S.A.R - 19/9/06 - statements received -27th September - vouchers received in settlement - 4th October 2006 - £235.00

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Guest ian cognito

Most people have had this problem with Black Horse, just include everything that looks like a charge then let them defend it.

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Hi Just Reading Your Info. Just Wondering About The Statements As I Have Got 3 Aggreements With Them. However I Am Sure They Add The Charges On To The End Of The Aggreement?

 

Have They Done This With Yours? I Have One Aggreement Left. Also The Information I Have From Black Horse Is On Statements And I Cannot See The Interest Which Has Been Added.

 

I Know This Is Cheeky But How Did You Calculate Yours With The Interest? And Did You Have Your Late Payments Added Onto The End Of Your Agreement?

 

Look Forward To A Reply, Thank You.

emma:?

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Hi EmmaI cannot work out what they have charged me for late payments etc - at the end of the agreement they say "charges" and a total of over £2,000.00 - On one agreement I have 8 DD charges, and I also have about 3 agreements with them also. I have faxed them yesterday for a breakdown of the charges, dates and amounts charged etc. The interest is on my agreement and I will check and let you know what I am claiming. I am going to wait for the breakdown and then submit my claim. I will let you know if I hear in the meantime from them - the statements are so confusing - not much help at all!

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Hi emmaPhoned Black Horse as they did not reply to my faxed letter. The £2,000.00 charges was interest - they have charged me one £42.00 late fee and the others £25.00? (don't know why they are different). Have claimed on 4 agreements with them - £25.00 late fees and £75.00 collect activity fee. Each statement had the original signed agreements with them and the interest charged on each one was different, ranging from 10.08% to 12.%. Have therefore put the interest at what they charged on each agreement. Am sending them off today to see what happens.

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  • 2 weeks later...
  • 2 weeks later...

Hi Emma, sorry for the delay in replying.

 

I was about to post second letter to Black Horse - when I received a letter from them. I had initially requested they refund back the £2,000.00 charges - (I couldn't work out whether theses were charges or not) - it was the right thing to do as they responded pretty quickly with a full breakdown and an offer of settlement. They listed all the charges takes - the £2,000.00 was interest - they offered me charges plus interest - they said I would get a cheque in the post. Two days later cheque arrived. £281.00. Am very pleased with the result.

 

Hope your claim is just as easy.

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hi, great news!

 

i have been waiting for you to reply! I know they said they will send you a cheque, but the remaining money you requested have they removed the charges from your account? As they are on the end of my agreement. its so confusing.

 

Also i am not sure how much interest to add?

 

Emma

emma:?

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