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robcat35

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Everything posted by robcat35

  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?
  16. robcat35
    Have you actually read your reply? All British Gas are stating is that they have the right to credit check you before they accept you as a customer. Cutting and pasting loads of info about credit agreements doesn't hide the facts. The time British Gas gives you to pay your bill are payment terms and nothing else. Example. Your car breaks down and you go to the garage. The car gets fixed and you are given an invoice for £500. You tell the garage you will pay at the end of the month once you receive your salary. So you are given a service, receive payment terms and then pay the bill. Is that not the same as British Gas? If you didn't pay your bill with the garage their only recourse would be through the courts to try and obtain a CCJ. They cannot add an entry onto your credit file. In my business I offer payment terms to custiomers (usually other businesses). I credit check every new account so I know what terms to offer. I am not offering credit or I would need to be registered with the FSA. I would welcome input from other members of the forum on this matter as it seems I must not be explaining this clearly enough.
  17. robcat35
    I think you better enter into a pointless discussion because you are giving advice to people on public forum. Please do not mix up credit with payment terms. You sell a product or service to somebody and you pay by agreed payment terms you are not giving credit or entering into a credit agreement. If you sign a credit agreement with somebody thats fine, but you do not sign a credit agreement with British Gas or Virgin Media and because you are not entering into a credit agreement they should not have an entry on your file.
  18. robcat35
    sorry stopthethieves but thats a load of crap. British Gas, Virgin Media Water authorities are selling you a service and then invoicing you for the amount you have used. If you get into arrears and agree to a payment schedule you are then entering into a credit agreement but only then. I run my own business and I can either ask for money up front or I can grant people time to pay when I have finished the job (I give them 30 days credit) that doesnt mean we have entered into a credit agreement. If anybody knows anything different please feel free to post but I know I have never borrowed money from British Gas and if I approached for a loan they would probably tell me they sell gas and not lend money. When will people not grasp that CRA's are there for lenders not for services. The reason some companies chose to put an entry onto your file while others don't (BskyB don't) is it is easier and cheaper for them to include an entry on your credit file than having to follow procedure and take you to court and obtain a CCJ. Virgin Media will pay CRA's millions to credit check potential customers and the CRA's will be happy to take more money to include entrys on our files. This will still be cheaper and less time consuming than trying to obtain a CCJ against somebody. Believe me I know!
  19. robcat35
    Here's mine http://www.consumeractiongroup.co.uk/forum/showthread.php?347341-Virgin-Media-Default-for-late-payment.
  20. robcat35
    Hi all Sorry for interupting this thread but I fail to see how British Gas can have a default on your credit file, thats like united news defaulting me for not paying my papers. I dont think you will have signed a credit agreement when you joined them so they cannot have an entry on your file or am I wrong in thinking your credit file is for is for credit agreements only?
  21. robcat35
    Hi Baldy27 I wrote to and received letters from Virgin Media, Customer Complaints, Matrix Court, Llansamlet, Swansea, SA7 9BB. I wrote approx 7 letters but the majority of thew replies were just standard letters stating they aim to be in touch within 2 weeks. Send them a letter giving them 28 days to send copies of your default notice etc. and when they dont raise a complaint with a CRA. It worked for me. Cheers Rob
  22. robcat35
    Hi Silverfox I think what you have said just stregthens the fact that they should not be able to have an entry on your credit file. As you have said they are service providers not lenders. If you read document posted by dx100uk the ICO only refer to entries,defaults etc. made by lenders not service providers. I think the main problem with my default and all others is that VM should not have an entry on your credit file at all. Sky do not have an entry?
  23. robcat35
    Hi Raheelf Just read this thread as i've had a similar problem with VM myself. I have now had the default removed as they could not provide me with a signed credit agreemnet or default notice. they are required by law to issue a default notice before placing this on your record. Its a mute point but I don't believe VM should have an entry on your credit file at all as they are not a lender but it seems they can do what they like. My advise is to write to VM at Customer Complaints, Matrix Court, Llansamlet, Swansea, SA7 9BB. Ask them for a copy of your original signed credit agreement and a copy of the default notice. When they write back fobbing you off because they cannot provide this info then you need to contact equifax or experian and explain that they have not provided the information they should under section 78 of the consumer credit act and they should remove the default immediately. This wont happen immediately but it should work. Cheers Rob
  24. robcat35
    Hi Marroondevo52 A credit limit is nothing to do with obtaining credit. It only means they want a payment when you reach a certain amount or they will withold services.I run my own business and have several credit accounts with suppliers each account has its own credit limit and once I reach that limit they require a payment before providing more goods. I didn't know Virgin did this but it is exactly the same thing. You are not obtaining credit from them you have just reached a limit before they need a payment. Cheers Rob
  25. robcat35
    I have already checked my report (equifax sent a free one when they informed me what had been done) and its all green with a settled when I left Virgin. My whole point about this is that they should not be allowed to have an entry on my CREDIT file as I am paying for a service and not obtaining credit. If they wish to credit check me before offering me the service that is fine but they should not be allowed an entry on my file as I have not signed a credit agreement, again I stress, they are only providing a service much the same as British Gas, Yorkshire water etc. who do not have an entry on your file as they are selling a product not offering credit. I have seen a thread on here which had a link to equifax's terms and conditions or annual report. This clearly stated that the only entries to be made were for credit agreements and nothing else. Anyway all I can say is if you have a dfault from Virgin media I would follow what I have done and hopefully you will have the same outcome. Cheers Rob

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