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black horse ppi


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i stupidly took out 2 loans with b.h. and had ppi on both i was never asked if i wanted them just told were to sign,as it was done over the phone then the papers sent to me,i think ill be paying it forever,only 1k and 1.5k,but still owe them a lot and ive payed a lot,i have a pre existing medical condition this was never discussed,mind you nothing was regarding the ppi,can i reclaim this?i read the post above and think i might have a chance any thoughts?

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Not sure about reclaiming, but you can certainly cancel it. You have to put it in writing, and then expect a call within a week or so from the local centre manager. He cancelled mine without any fuss, although he wasn't willing to refund the premiums I'd already paid. You might have more luck if you have a pre-existing condition that would make the insurance void anyway - thus basic proof of mis-selling. I only had my word against theirs.

 

I'll dig out the letter if I can.

CrapitalOne - SAR Sent 06-02-07 / SAR sent again 03-02-12 / Prelim sent 20-03-12

HSBC - SAR Sent 12-03-07. SAR sent again 03-02-12

BOS Mastercard - SAR Sent 03-02-12 / Prelim sent 20-03-12

Barclaycard - SAR Sent 09-02-07 / Prelim sent 12-03-07 / Partial offer recd 16-03-07 / New Prelim sent 27/03/12.

Black Horse - SAR sent 03-02-12 / Big load of bumf arrived 07/03/12

Halifax - Statements requested 30-01-07 / 153 pages of statements arrived 06-02-07 / Prelim sent 10-02-07 / LBA sent 01-03-2007 / Partial offer recd 07-03-07 / Full offer received (after phone call) 08-03-07!

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Black Horse Ltd

St William House

Tresillian Terrace

Cardiff

CF10 5BH

 

Saturday 10th March 2007

 

RE: Account **********

 

 

Dear Sir or Madam,

 

I took out the above loan for £10,000 on 13/11/07. When I took it out, I signed up for Payment Protection Insurance. I phoned up on 06/03/07 to ask to cancel it and was told I would have to put my request in writing. I am writing to complain.

 

When I took out the loan, I said I did not need the PPI as my employer provides generous illness and redundancy benefits, but I was told I should still take it out. As this is not correct, I consider that I have been mis-sold this expensive insurance, which I do not need and which I said that I did not want.

 

I have been advised that I should be able to cancel the PPI contract at any time and receive a partial refund of the premium that I have paid. I would like to do this. And in view of the way I was mis-sold the insurance, I would like to ask for a full refund of the whole premium.

 

I would appreciate a reply to this letter within fourteen days. If you reject this complaint, I would be grateful if you could explain whether you provide an internal appeals process. If you do not, please supply me with a final response letter, so that I can take up the matter with the Financial Ombudsman Service.

 

Yours faithfully,

 

me

Just change the bit in bold to say something to fit your case.

 

edit: More stuff here! TMF: sample PPI complaint letter / Dealing with Debt

CrapitalOne - SAR Sent 06-02-07 / SAR sent again 03-02-12 / Prelim sent 20-03-12

HSBC - SAR Sent 12-03-07. SAR sent again 03-02-12

BOS Mastercard - SAR Sent 03-02-12 / Prelim sent 20-03-12

Barclaycard - SAR Sent 09-02-07 / Prelim sent 12-03-07 / Partial offer recd 16-03-07 / New Prelim sent 27/03/12.

Black Horse - SAR sent 03-02-12 / Big load of bumf arrived 07/03/12

Halifax - Statements requested 30-01-07 / 153 pages of statements arrived 06-02-07 / Prelim sent 10-02-07 / LBA sent 01-03-2007 / Partial offer recd 07-03-07 / Full offer received (after phone call) 08-03-07!

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