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Br4ndy VS Black Horse


Br4ndyb00b00
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Hey all...

 

Had loans with Black Horse for a long time now.. they have always been the only company that would help me out, but i have been paying huge amounts of interest for them!

I have had 4 previous agreements with them. I think i got a new loan with them, which covers the old and gave me extra cash... (4 times!)

There has always been confusion with my payment date, i get paid 15th of every month but the payment date is 1st, so every month i been geting phone calls, letters, default notices. I have been told they cannot change the payment date untill my account is up to date.

I got a little behind in payments, so agreed with them to pay 200 per month untill i catch up, which they were happy with. I do not have a debit card so pay by internet transfer. I also cannot have Direct debits so they phone me every month to arrange payment. Thing is, althogh we have agreed to do this, i am still getting default notice every month! When i phoned and asked why, they said not to take any notice of them, because they are computer generated, and do not mean anything as i am paying the required amount within two weeks! Surely this is going to look terrrible on my credit record (although they said it makes no difference).

 

Anyway, sent a SAR about 2 weeks ago, and finally got the reply yesterday...

Br4ndy VS HSBC

11th Dec - Prelim sent for 2907.42

29th Dec - LBA sent

12th Jan - Offer Recieved 2,500

15th Jan - Offer accepted :D

 

MyWife vs HSBC

5th Jan - Prelim sent for 1653.23

20th Jan - LBA Sent

7th Feb - Offer Recieved 1,350

8th Feb - Offer accepted :D

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Damn this SAR is confusing...

 

I got a computer printout of all my previous accounts since 2000.

25/08/00 1155 opening balance 1188.24 1188.24

31/08/00 0000 interest 9.38 1197.62

30/09/00 0000 interest 40.52 1238.14

31/10/00 0000 interest 43.28 1281.42

30/11/00 0000 interest 43.35 1324.77

01/12/00 9998 dd payment 73.90- 1250.87

31/12/00 0000 interest 43.73 1294.60

02/01/01 9998 dd payment 73.90- 1220.70

31/01/01 0000 interest 42.76 1263.46

 

and so it continues...

 

There are only a couple of collect activity fees... 22 pound in october '02 and 12.20 in december 02. Anyway, if i go through all these printouts for all my previous accounts, there is only a total of 172.50 in collect activity fee...

 

But i got a letter along with my monthly default saying i am in arrears of 86.10, and have collect activity charges of 365.00 which is payable at the end of the term...

 

What the hell is going on!?!? What do i claim for?

 

I also asked via the phone for copies of all my previpous agreements and also asked to cancel ppi straight away. They are sending the agreements, but said i have to write in to cancel ppi.

 

I want to claim for mis sold ppi for all of them, because when i visited the branch originally in 2000, they told me i had to have the ppi or i would not get the loan.

 

What should i do now?

Br4ndy VS HSBC

11th Dec - Prelim sent for 2907.42

29th Dec - LBA sent

12th Jan - Offer Recieved 2,500

15th Jan - Offer accepted :D

 

MyWife vs HSBC

5th Jan - Prelim sent for 1653.23

20th Jan - LBA Sent

7th Feb - Offer Recieved 1,350

8th Feb - Offer accepted :D

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bump.... anyone?

Br4ndy VS HSBC

11th Dec - Prelim sent for 2907.42

29th Dec - LBA sent

12th Jan - Offer Recieved 2,500

15th Jan - Offer accepted :D

 

MyWife vs HSBC

5th Jan - Prelim sent for 1653.23

20th Jan - LBA Sent

7th Feb - Offer Recieved 1,350

8th Feb - Offer accepted :D

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received my credit agreements for all previous accounts...

Br4ndy VS HSBC

11th Dec - Prelim sent for 2907.42

29th Dec - LBA sent

12th Jan - Offer Recieved 2,500

15th Jan - Offer accepted :D

 

MyWife vs HSBC

5th Jan - Prelim sent for 1653.23

20th Jan - LBA Sent

7th Feb - Offer Recieved 1,350

8th Feb - Offer accepted :D

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Share on other sites

The ppi is on there on each agreement... but i remember it clearly...

originally i asked for 2000 pound, they told me they couldnt do it, but can give me a cheque right now for 1000. I was desperate at the time, she told me to sign here and here and then told me how much to pay monthly.

She told me i have to have the protection, although i said i have something with work which should cover me, so she gave me the minimum cover i needed. That was it!

I took the money and ran.. wasnt till a few months later when i actually had time to read the agreement i noticed the apr was 49.9%.

Even then i dint realise i was paying for loads of PPI. That first loan of 1000 got larger over the years... now have a loan of 5000 with them.

Not once was i told about (or asked) the ppi on these next four agreements. I just phoned them and told them i need more money, they sort the paperwork and when i arrive to their office i sign and the money went into bank.

 

Any advice on what i do next?

Br4ndy VS HSBC

11th Dec - Prelim sent for 2907.42

29th Dec - LBA sent

12th Jan - Offer Recieved 2,500

15th Jan - Offer accepted :D

 

MyWife vs HSBC

5th Jan - Prelim sent for 1653.23

20th Jan - LBA Sent

7th Feb - Offer Recieved 1,350

8th Feb - Offer accepted :D

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