mtb v black horse

[alamand]

High i've just recieved my sar from black horse, it is for a settled account i paid off last year.The statement says i had £50 LPI & FEES charged and then paid, £50 Coll Activity Charged then paid. Thats the only 2 charges they have quoted on my sar. I have got the letters for those charges which they sent out at the time they charged me,but i also have another letter for another £50 of charges they charged me but they havnt put them on the sar.Is this illegal ? One is dated october and one february but i dont know which one is missing cos the sar doesnt give dates only charges.The coll act charge is a different date which i have the letter. So all in all £150 in charges not £100. Both the LPI fees are when they issued a default. Can anybody help please on what to do next.

[alamand]

what i'm wanting to know is do i send the letter requesting all 3 charges and when they reply quoting theres only 2 charges tell them i've got the letters proving theres 3 charges. Also is there anything i can quote regarding the law that they have missed off a charge of £50 off the sar.Also when they sent the sar for this account they sent me a sar for another settled account with Charted Trust which was for a car which i part exchanged. Can i claim the £150 charges on that account as well, i didnt even know charted trust was part of Black Horse and i thought there were no charges on that account as we part exed the car.Do i request both accounts on same letter ?

[alamand]

I.ve just recieved sar from Black Horse for a settled acc. There are 2 charges for £100 but i have letters to prove i had 3 charges totaling £150. Do i reply by asking for £150 and when they reply stating theres only £100 in charges send them a copy of the letters i have got.Is it a criminal offence to omitt charges.They also sent sar for another sett acc with Charted Trust with £150 charges on that,i didnt know charted trust was a part of black horse,do i ask for those charges on the same letter as the other charges so £300 in all?

[alamand]

Anybody got any advice please?

[KJD]

Send this letter, adapted to suit -

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/6986-data-protection-act-non.html

 

(Sorted Lloyds out when they missed charges in my SAR re bank charges being claimed back)

 

[alamand]

High i've just recieved my statement from Black Horse.The statement seems to tally from opening to close except they sold the account to Lewis debt services in february 05 for £300 and then accepted 2 payments of £5 after they sold it.The statement has 1 charge for Coll Acty of £50 in feb 05 but the letter i have saved, states that they charged Coll Acty in oct 04 for £50 but it is not on the statement. I also have 2 more letters saying they were charging me £50 LPI fees but i cant see these on the statement either(they sent those letters with default notices but the default notices arnt on my credit files, there is a default on the file but this coincides with when they sold the debt to Lewis not with the letters) I dont know if i can claim the 2 charges because i cant see them added on the statement,but if they didnt add them on, why did they send letters saying they did. Can anybody help please ?

[alamand]

Hi just to update.

Blackhorse sent statements for the account i asked for and also another account i didnt know nothing about.

The account i knew about had £50 in charges on the statements but i had 3 letters saying they were going to charge £50 in each letter, so i queried this.

The other account had £130 in charges.

Anyway they replied saying they didnt put the charges on my account (which tallies with the statements ) but as a matter of goodwill will refund me £130.

I have accepted this amount as it is only £50 short, i have put cheque in bank, but it seems strange they have offered me this amount without any arguing or bartering.

Very odd to give in straight away.

Any way I am £130 better off, i can now chase somebody else.

Many Thanks.