Thanks again for your help,also followed advice on here to score through my signiture,so it cannot be lifted was that ok.?

hi did my S A R to blackhorse and ready to post...just need to know if the £10 postal order is made out to blackhorse .should i sign it ?or send it as a blank postal order...?

ooops sorry,thank you for all your help,will keep this post updated on my progress with blackhorse ....

cheers for that, was a bit concerned because the DCA,s aka hillesdens sent a letter saying it had been assigned to them and then a letter from their solicitors NOLANS threatening me with a court decree.. ..got me pretty spooked to be honest. ..will find an appropriate S A R template letter to send off to BLACKHORSE and see if there are any charges etc .. .if you could piont me in the right direction for the appropriate S A R template would be very grateful. ..thank you for your help

ok,just checked my credit report...and showing blackhorse as defaulted...no mention of having been assigned (am assuming that it would show on the file)..also do not see anything regarding any activity by DCA with regards to ownership...does that mean the debt is still in the hands of BLACKHORSE and all these DCA and threats from NOLANS is all bluff ?

sorry account with blackhorse opened 1/6/2009...will go and check my file and see who the current owner of the debt is....

ok so i should SAR blackhorse and also pay them approx £3 per month via internet banking,would i need to set up an agreement with them to set that up....or would the bank set this up using a BH letterhead address...ps just reactivated my credit expert subscription...£13.99 A MONTH...highway robbery..will give that a month to see how it goes..( have not acccessed it yet)...but will do mid conversations......thanks again

sorry am just a bit confused...should i send a cca request to BH,...or Hillesdens ( trading as DLC) whom debt has been assigned too , or should i be asking NOLANS ,who are threatening me with a court decree....and i am assuming i am sending a SAR to OC aka blackhorse...thanks again for your reply kurvaface..

hi thanks for reply, this is where it gets confusing,what cra2) cca3) and with regards to OC letter regarding no assignment ( i am thinking this is in regard to hillesdens saying this debt has been assigned to them),but no letter from BLACKHORSE to confirm this....should i be asking BH for cca and or SAR,or should i be writing to Hillesdens who it has aparrently been assigned to...and what if anything should i be doing about NOLANS who are threatening me with a court decree....thanks again

hi with regards to my credit file ,i was considering whether to sign up with equifax,but after reading some of the horror stories on here with regards to DCA,s having access to my file and then bombarding me with calls ,threatening letters etc ,I have not applied for one ( although i would like to see my file)...would like some advice as to .getting my CCA and also whom to ask with regards to a SAR ,..I am completely confused as how to go about this,also I live in scotland so i dont know if the legalities are different.....

hi kurvaface,thank you for your quick reply.. .opened the account with BH june 2009. .had to agree to ppi to get said account but,cancelled the ppi a month later as i am aware as per this site how bad it is, the loan was for £1000 and i was paying this at £56.00 per month. had to stop work 6months later due to ill health and at the moment that has not changed, agreed with BH after much haggling to pay £2 pm. .but was giving them £5 per month as i thought that might help.. ..after about 6 m0nths I realised they had increased the interest and the debt was going up instead of down i complained to the about this but they were not very helpful i also missed a couple of payments and they defaulted the account have had three defaults on this account. also several collection avtivity fees.. .yes i have most if not all the paperwork as i have learned from past experience that this is important ..sorry for being a bit slow i am not so computer litterate ,but i try my best...

help lost my job through ill health and have a debt outstanding with blackhorse for £850 agreed to a reduced payment plan,but BH kept adding interest and collection activity fees and several default charges..debt was passed to several DCA,s....First to Nationwide collections then Hillesdons then DLC and now NOLANS SOLICITORS and they are threatening me with a court decree..dont know who I am supposed to respond too....

Thank you kelcou,I am a very anxious about the next bit ie pathways to work...not really looking forward to it but, looks like i have no choice,just see it as another hurdle in life...sorry for being so negative......thank you again

Thank you for your reply,I will phone tomorrow and let them know,but to be on the safe side will probably speak to my welfare advisor to see if they can deal with it on my behalf...again thank you for your advice...

thank you for your replies,it does look to me like it may be mistake and it is an overpayment,I suffer from sever anxiety and panic attacks and actually found this letter to be a very stressful and I am really worried how I am going to get this returned.who am I supposed to give it to ,will I get a reciept.in case they lose it....again thank you for your reply,could have phoned the job centre,but I dont trust them...they would probably say stick it in an envelope and send it to such and such....