GPM v blackhorse

[GPM]

Right, having got as far as an offer from HSBC, I now need to turn my attention to blackhorse who have charged around £250 in late payment fees during the course of a 3-year loan (this was notified in writing at the time of incurring these charges). I have just made the last payment on the loan, and blackhorse now want me to pay up on the fees within 7 days to avoid 'further action' (that was 6 days ago!) Obviously I don't intend paying.

 

I've therefore started to amend the Prelim letter to send them, but I assume the approach will need to be different than if I had paid and wanted to claim back. Guess I can't threaten to submit a claim for re-imbursement, so can anyone tell me how I go about getting the fees withdrawn, before they've actually been repaid? In the letter I've stated they have 14 days to accept my request to withdraw the fees, or else........ and there lies my dilema! Or else what? What can I do? Can anyone point me in the right direction pretty soon, as I need to respond urgently, before they take further action.

[pt2537]

Hi GPM

 

Good luck with Black Horse. i had a claim going with them and they paid out without the need for court see my thread....

http://www.consumeractiongroup.co.uk/forum/other-institutions/57102-pt2537-black-horse-finance.html

 

with regards to charges that have not been levied yet against your account theres not really alot you can do about it, however having said that there is no harm in contacting your local business centre and speaking to the manager and explaining that should they apply those charges you will just claim them back such as what you are doing now and if they pi$$ around then you will take them to court and add S.69 interest under the county courts act 1984. it may work, it certainly did in my case as i asked them to refund me the money and they did as i explained i would go to court which would mean interest and adverse publicity as well

 

 

i hope this helps

 

regards

 

paul

[GPM]

Thanks Paul. As it turns out, 1 phone call did the trick. I sent one payment towards the fees, and then phoned. Following the phone call, we received confirmation that the loan has been completely repaid. I guess we could always start the process to claim back that one payment, if we feel so inclined.....

 

For now though, I consider this settled.