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Me -vs- Blackhorse......HELP!


drob
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would you believe it-been sent on to cardiff

lloyds S.A.R -sent 04/04/200

statements received 11/05/2007

prelim-14/05/2007 -£4987

lba-30/05/2007

n1-20/07/2007

 

Co-Op prelim sent-20/04/2007-£136.50

settled in full

goldfish prelim-27/06/2007

 

capital one -deemed served -01/07/2007

settlement without cci offered 17/07/2007

halifax prelim-17/07/2007

 

aqua--prelim-13/07/2007

 

welcome-prelim-30/06/2007

lba-14/07/2007

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me too drob-can't believe they advised me to send my letter to the wrong address but at leat its been received on to their systems and my timetable remains the same-i'm going away on 28th aug so at least my lba will have gone by then!

 

keep your thread updated cos weve got internet facilities at the hotel so may look in whilst away-if i can drag myself from the beach

lloyds S.A.R -sent 04/04/200

statements received 11/05/2007

prelim-14/05/2007 -£4987

lba-30/05/2007

n1-20/07/2007

 

Co-Op prelim sent-20/04/2007-£136.50

settled in full

goldfish prelim-27/06/2007

 

capital one -deemed served -01/07/2007

settlement without cci offered 17/07/2007

halifax prelim-17/07/2007

 

aqua--prelim-13/07/2007

 

welcome-prelim-30/06/2007

lba-14/07/2007

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i don't fly til 29th aug so hopefully one of us should have heard something by then-not too sure if they settle easily-just worried at the mo that loan companies will also apply for stays before too long-just want to get this one at least to court stage before they do if necessary

lloyds S.A.R -sent 04/04/200

statements received 11/05/2007

prelim-14/05/2007 -£4987

lba-30/05/2007

n1-20/07/2007

 

Co-Op prelim sent-20/04/2007-£136.50

settled in full

goldfish prelim-27/06/2007

 

capital one -deemed served -01/07/2007

settlement without cci offered 17/07/2007

halifax prelim-17/07/2007

 

aqua--prelim-13/07/2007

 

welcome-prelim-30/06/2007

lba-14/07/2007

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got letter saying theyve enclosed £250 cheque but none in envelope-will bank it when it aarrives and carry on claiming remaining £1000

lloyds S.A.R -sent 04/04/200

statements received 11/05/2007

prelim-14/05/2007 -£4987

lba-30/05/2007

n1-20/07/2007

 

Co-Op prelim sent-20/04/2007-£136.50

settled in full

goldfish prelim-27/06/2007

 

capital one -deemed served -01/07/2007

settlement without cci offered 17/07/2007

halifax prelim-17/07/2007

 

aqua--prelim-13/07/2007

 

welcome-prelim-30/06/2007

lba-14/07/2007

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  • 3 weeks later...

OK ................. i have now sent Blackhorse a letter before action and i have received a prompt reply stating "We have decided to offer a concession and refund part of your charges therefore we enclose a cheque for £104.00"

 

Guess What????? They seemed to have forgoton to enclose the cheque!!!! THE CHEEK OF IT!!!!

 

Oh well next Friday time is up and it's time to issue a county court claim.

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  • 4 weeks later...

Well Blackhorse sent me a cheque for £134 as a gesture of goodwill. I wrote back to them...............

 

Thank you for your letter dated 17th September

I respectfully decline your offer of full and final settlement and request, one final time, that you return to me all charges imposed on this account, totaling £230.

In order to avoid Litigation against you, I am prepared to accept the sum of £134 offered as a partial settlement on the clear understanding that the remainder of £96 is paid within the next 7 days.

Failure to comply with this request will result in legal action against you for full recovery of £96, as detailed in my Letter before Action.

 

If you do not accept my conditions for acceptance, or you do not respond within 7 days, for the avoidance of doubt, I wish to stress that I do not accept your offer under the terms stated in your letter and a County Court Summons will be issued to you from the Southport County Court without further warning and court costs, solicitor costs and 8% statutory interest will be added

 

I trust this clarifies my position and I await a prompt reply.

Blackhorse replied stating that............

We have already refunded £134 as a gesture of goodwill. Unfortunately your claim for a further refund has been rejected.

I am now in the process of issuing a count court claim, can anyone point me in the right direction on how to word the claim?????

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The MCOL form has so little space for the particulars of claim it often leads to all sort of probelmes with the claim being deemed 'not properly particularised'. You then have to spend £35 supplementing the POC with an N1. Much better to do it using an N1 in the first place. N1 can be found here

 

 

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  • 2 weeks later...

hi drob-hows it going?-enjoyed myself in mexico -now back to reality-i have sent deveral letters to bhf-got initial refund of £100.wrote to say i wasnt happy-got another cheque for further £250.....

rang and complained to matthew falder-getting further cheque for another £532 so all in all £882 up til now-they say if i want to file in court i need to return all monies received-=can i not just accept it as part settlement??

lloyds S.A.R -sent 04/04/200

statements received 11/05/2007

prelim-14/05/2007 -£4987

lba-30/05/2007

n1-20/07/2007

 

Co-Op prelim sent-20/04/2007-£136.50

settled in full

goldfish prelim-27/06/2007

 

capital one -deemed served -01/07/2007

settlement without cci offered 17/07/2007

halifax prelim-17/07/2007

 

aqua--prelim-13/07/2007

 

welcome-prelim-30/06/2007

lba-14/07/2007

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  • 2 weeks later...

Hi,

 

I am the same boat as you guys, £175 added after the CCJ was given. Spoke to someone today about PPI and also about the charges added after the CCJ. His explanation was "that was the way our client did their business".

 

I was asked to fax in my letter so will do tomorrow, but it does sound like you guys have had a lot of success.

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  • 3 months later...

Hi Drob,

 

how did you get on?

 

I too had a part offer of payment which surprise surprise when I too opened the letter the cheque did not exist. This is obviously some stupid frustrating tactics they use to get you to give up.

 

I will be starting my own thread so I can more advice on the CCJ removal.

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