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Towelie vs Black horse finance

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Well have started to claim off BH, I phoned up the other day as I couldnt find an adress to send the dpa to. The person on the phone said they would request statements free of charge and I will receive them shortly. Not convinced by this I phoned them again yesterday and was advised the statements are being printed and I should receive them within 7 days. Just a case of waiting for the postman now.

 

Out of all the people am claiming against I hate these people the most. I had car finance with them and me and my fiance moved from newcastle to scotland and things were a bit tight to start with. During that time we missed a couple of payments and tried to make arrangements for payment. We received a letter with almost £200 of charges for one missed payment, phoned them up and got told " You have to appreciate Mr Anderson, chargin people is how we make our money" it got my back up so cant wait to get my money back off them.

 

Will keep you posted :)


My claims

 

Halifax - Data Protection Act 26/5/06, non compliance of Data Protection Act 20/07/06, Prelim £260 3/8, LBA 19/8

TSB - Data Protection Act 25/6/06, total £225, Prelim 4/7, LBA 11/7, court claim filed 27/7

Capital One - DPA 20/06/06, Prelim £270 1/8 LBA sent 9/8

B.O.S CC - DPA 20/06/06, prelim 6/7 £130, LBA 21/7/06, court claim to be filed

Citi cards - Data Protection Act sent 20/06/06, prelim 26/07 £520, LBA t 14/8

Black horse finance - DPA 18/06/06, prelim 31/7 £180, LBA 7/8

Halifax joint account - Prelim 6/7 £744, LBA 22/7 court claim to be filed

 

My Mums claims

 

MBNA - DPA 13/06/06, Prelim 17/7 £738, LBA 7/8

Capital One - DPA 29/05/06, Prelim 10/8 £570

Barclaycard - DPA 20/06/06, Prelim 6/7 for £420, LBA 17/7 court claim to be filed

Littlewoods CC - DPA sent 3/7, non compliance of DPA sent 14/8

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Ah, a fellow Black Horse claimer! :) I am in the same position, yet to ask for statements but will do soon. I tried the phone method the other day with Natwest and they told me the same, I'll receive statements, but you get the suspicion they will never arrive, as I'm sure they'd prefer to charge you the £10 that they're entitled to for statements if they were really going to send them. Will keep a keen eye for your updates. Good luck.

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I received a list of charges from Black horse today and was wondering if anyone could clarify what charges I can claim back for. The charges that are listed are:

 

On agreeing the car finance -

 

Doc fee £150

Option fee £95

PPI £912 - going to write to get a copy of signed copy of agreement

 

During payments on account -

 

Collect activity fee £125.00

Late payment interest £52.11

W/B Arrears Fee £25.00

 

I am guessing I can claim back the arrears and collect activity fee, just not sure about late payment interest and the 2 fees I got charged when I applied for the car.

 

Any advice would be great.


My claims

 

Halifax - Data Protection Act 26/5/06, non compliance of Data Protection Act 20/07/06, Prelim £260 3/8, LBA 19/8

TSB - Data Protection Act 25/6/06, total £225, Prelim 4/7, LBA 11/7, court claim filed 27/7

Capital One - DPA 20/06/06, Prelim £270 1/8 LBA sent 9/8

B.O.S CC - DPA 20/06/06, prelim 6/7 £130, LBA 21/7/06, court claim to be filed

Citi cards - Data Protection Act sent 20/06/06, prelim 26/07 £520, LBA t 14/8

Black horse finance - DPA 18/06/06, prelim 31/7 £180, LBA 7/8

Halifax joint account - Prelim 6/7 £744, LBA 22/7 court claim to be filed

 

My Mums claims

 

MBNA - DPA 13/06/06, Prelim 17/7 £738, LBA 7/8

Capital One - DPA 29/05/06, Prelim 10/8 £570

Barclaycard - DPA 20/06/06, Prelim 6/7 for £420, LBA 17/7 court claim to be filed

Littlewoods CC - DPA sent 3/7, non compliance of DPA sent 14/8

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Anyone?


My claims

 

Halifax - Data Protection Act 26/5/06, non compliance of Data Protection Act 20/07/06, Prelim £260 3/8, LBA 19/8

TSB - Data Protection Act 25/6/06, total £225, Prelim 4/7, LBA 11/7, court claim filed 27/7

Capital One - DPA 20/06/06, Prelim £270 1/8 LBA sent 9/8

B.O.S CC - DPA 20/06/06, prelim 6/7 £130, LBA 21/7/06, court claim to be filed

Citi cards - Data Protection Act sent 20/06/06, prelim 26/07 £520, LBA t 14/8

Black horse finance - DPA 18/06/06, prelim 31/7 £180, LBA 7/8

Halifax joint account - Prelim 6/7 £744, LBA 22/7 court claim to be filed

 

My Mums claims

 

MBNA - DPA 13/06/06, Prelim 17/7 £738, LBA 7/8

Capital One - DPA 29/05/06, Prelim 10/8 £570

Barclaycard - DPA 20/06/06, Prelim 6/7 for £420, LBA 17/7 court claim to be filed

Littlewoods CC - DPA sent 3/7, non compliance of DPA sent 14/8

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i think that you are right about what you can and can't claim back

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