Jump to content
Twitter - Include the @company's twitter name in your post title – here's why…
The UK Stands With Ukraine - 'Slava Ukraini'

robcat35

Registered Users

Change your profile picture
 View Profile  See their activity

  • Posts

    37

  • Joined

  • Last visited

Reputation

51 Excellent
  1. robcat35
    This topic was closed on 10 March 2019. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group
  2. robcat35
    Hi all FOS have confirmed Lloyds TSB Ins services were under their jurisdiction in 2003 and have advised me to pursue my claim against them. I will send a letter today and see what happens.
  3. robcat35
    Still no reply from Black Horse as to why they have rejected my claim. I have also read through the terms and conditions with the original application form and it states 'If you take out creditor insurance with this agreement, any insurance premiums we collect from you will be held by us as an agent of LLoyds TSB Insurance services Ltd'. Does this mean I can go after LLoyds directly via FOS? Cheers Rob
  4. robcat35
    Hi Just to let you know I've written Black Horse again demanding a reply to my original letter as to why my claim has been rejected.I have asked not to call me but to reply in writing. Once I get something I'll take it from there. Cheers
  5. robcat35
    Hi IMS The agreement was taken out with the loan. I have a copy of the original agreement showing the £6k loan with a separate section showing an additional £1171.28 for a payment protection plan. They have not responded to my second request for not upholding my claim. I called them today, and after a conversation with a call center worker, I was told they had tried to contact me by phone on several occasions but I had not answered they now consider the matter closed and if I wished to pursue it further I should contact the FOS. I may have missed calls from them but I do not have any answer phone messages. Cheers Rob
  6. robcat35
    Thanks IMS Just checking on their website but Black Horse are not a company that subscribe or will they be under Lloyds TSB? Cheers Rob
  7. robcat35
    Hi All Just spoken to the FOS as Black Horse have rejected my claim again and the FOS have told me that Black Horse were unregulated between 2003 and 2005 and therfore they cannot investigate my complaint. Is this the end of the road? cheers Rob
  8. robcat35
    Thanks for that. I'll have a letter to them by the morning. Cheers Rob
  9. robcat35
    Yes its been considered and their response is basically 'after considering the evidence and documentation available to us, we have not found any evidence that your PPI was mis-sold'. i believe thats why they had to send a copy of the original agreement or else what evidence could they have considered.
  10. robcat35
    yes. I have the original loan agreement showing PPI. The refinanced loan doesnt matter as they have already agreed to pay on that one.
  11. robcat35
    Hi All I have just received a reply to my SAR request from Black Horse. Not that much to read so that should help. They have sent a copy of the original agreement which shows PPI added on to the original loan at a total cost of £1660.32 which includes the charge for credit. How do I play this now? We obviously were unaware of the PPI or I would have claimed earlier and at the time we took out the loan I was self employed. Is my best bet to write back to Black Horse telling them I was self employed or go down the road we were unaware we had it. Your input will be very much appreciated. Cheers Rob
  12. robcat35
    Thanks for the reply RedVixen. What I've done so far is sar Black Horse as per ims21's advice. I have also written to Vicky Watts at Black Horse advicing her I do not accept their offer as final settlement of both accounts. I did mention in the letter that if I had PPI on the refinanced loan I surely had it on the original loan. I don't know if logic is anything these people use when determining these things but we will see. Cheers for all your help so far and I will post as soon as I hear something Rob
  13. robcat35
    Thanks ims21 i'll do that now
  14. robcat35
    Hi All I would be very grateful if anybody can advice me what to do next with my PPI claim. I received a letter from Black Horse some weeks ago saying I could be owed PPI from a loan for a car. I filled the form out and noticed that the term of the loan was incorrect. I checked my own records, which as this was from 2003 was not much, and found a copy of a credit report from 2010 which showed a loan starting in oct 2003 running until apr 2006 and then been replaced with a loan running from apr 2006 running until Nov 2011. I informed Black Horse of this on the claim form. They have recently sent a reply saying I am entitled to a refund on the second loan but not on the first. When I contacted their helpline about this they explained that the initial loan had been paid off and replaced with the second, as they termed it Refinanced. This was nothing to do with myself Black Horse just did this. In fact I cannot remember this happening. My question is did they refinace it to include PPI or did both loans include PPI but as the other is older they don't have any paperwork so they know they don't have to pay out? I have both policy numbers but no paperwork. Thanks in advance for any advice. Rob
  15. robcat35
    Sorry for not replying earlier but work commitments come first. I thought you were aware of the point I was trying to make as you were the person who replied to my first post? Not just any tom ,dick or harry can place an entry onto your credit file. The CRA's are in place so Lenders can check credit history from other lenders before making a decision to lend to an individual. British Gas do not lend money and are not regulated by the FSA so cannot have an entry on your credit file. If you wish to believe you are entering into a credit agreement regulated by the FSA when you sign with british gas then you are wrong. Not sure why you highlighted 'agreements to finance utility meters'? What has a utility meter got to do with this?

Follow: @real_CAG

Navigation Links

Welcome
CAG Community Centre
CAG Library
Banks & Credit
Other financial Institutions
Retail
Non-Retail
Work & Social
PayDay and Short term Loans
Debt
Motoring
Legal

Latest

Our Picks


Help and Support

CAG Library
Questions about This Site
Change your notification sound
Change your profile picture - FREE!


Useful LInks

County Court Forms
MoneyClaim Online
CPR - Pre-Action Protocols
Civil Procedure Rules
UK Legislation
Youth Consumer Service

Reclaim the right Ltd

registered in the UK
reg.05783665
reg. office:- 923 Finchley Road
London NW11 7PE

The Consumer Action Group

The National Consumer Service
×
×
  • Create New...