Ever after coming across this Documentary back in 2013 it has slightly worried me. Now old Tawnyowl i must admit believes a lot of what people say to me. Have been fooled many times.And never learn any lessons.. Now once again i find it hard to believe this documentary is just a advert for a magazine. Any wise ones,any economists,anyone who has a little time and who has not seen it can you tell me if there is any truth in all this. As i say it has bugged me slightly since 2013. Well it is out there now anyone,please have your say and at least i can put it to the back of my cluttered mind now. Bear Garden seemed the right place for it. Here we go settle down strap yourselves in and be very afraid very afraid. U certificate it isn't that bad.Perhaps many have seen it before. The Plague of the Black Debt http://topdocumentaryfilms.com/plague-black-debt/

RIP Cilla, the sixties wouldn't have been the same without you. https://www.youtube.com/watch?v=ZAuoNa5g6i8

Hello everybody - lurked for years but never posted before......Perhaps this is similar to the "free money" thing that other's have experienced with Blackhorse offering compensation for procedural errors. I have been phoned today - 6 July 2015 - by somebody apparently from Blackhorse regarding 3-loan accounts that I had with them way back in 2004. I was mis-sold PPI on all 3 but when a claim was made they only upheld one - in 2012. The operator was very polite and has evidently been given the task of examining whether or not I could remember the circumstances around being offered the loans, my work situation at the time and what the money had been used for. It would appear that the upshot is that they realise that they should have repaid all the premiums at the time of my first claim. Just wondering if anybody else has taken a similar call recently - or have I just been phished?! Cheers Chanch PS The lady's name was Denise Kilpatrick and a quick check of LinkedIn would appear to bear it out as a genuine call

Hi Guys, I'm glad i came across this site. I've been doing some in depth reading regarding the process to have an SAR carried out on various lenders etc. In the past I've had the following: Black Horse Loan (2002ish) Applied for my PPI back and told they couldn't find account (now they've been fined 110+ million i'm sure they'l be more helpful Halifax Bank Account BOS Bank Account Birmingham Midhsires Mortgage. I guess my question is can i just send a single SAR to Lloyds banking group HQ (now that they own all these subsiduaries) or will I have to make one to the individual companies within the group.

We bought a car through Black Horse we traded the first car in after a year and got a bigger car and then we traded that one in and got another one thats the back story. We then fell behind with payments and they reposessed the car that was approx 5 or six years ago we were paying a token payment all we could afford to a DCA this went on for approx 3 or 4 years and then we got a letter back from Black Horse saying they were to be paid again not the DCA we have continued to pay a token payment all we can afford there is a balance of approx £9,000 still outstanding. Can anyone offer some help it will take forever to pay this off at the payments we are making. Thanks

Hi, Ive just come across a thread about BH selling on to Skye, so have started my own.. . I only have 4 months left on the loan after 5 years. I had an agreement with BH that I have in writing, that if I continued to pay the monthly repayments on time (2 years ago) that the added interest, due to a few missed payments and an added 6 months to the term of my loan, without my knowledge, (even they could not see who had done it or why just that the dates had changed ??) that they would remove everything.. they had already removed over £1600 of wrongful charges, plus the payments they say they have received are not the same as the payments to them from my bank, they has less paid, I had asked for a SAR but not recieved this as of yet and the account went to Skye Loans with a different account number etc on 1st June ..worried now that the above will not stand , how do I best deal with this, will Skye loans have to honour the agreement I have in writing ??

I previously sent a CCA request as I could not locate the original that was taken out in 2001. I received the attached edited copy but is I am not sure if this is correct ? I then sent off an SAR and again received the same amongst details submitted. Am I missing anything does anyone know ? I've checked the forum for BH credit agreement examples but all seem to look different to mine. Just one other question, should BH be sending me annual statements of some sort ? Thank-you for looking.

Have been appointed the executor of an estate and am in the process of applying for probate. The will is fairly straight forward with just two named beneficiaries, so once all the assets have been identified, it shouldn't take too long to wrap up. However, one fly in the ointment turned up ranting and swearing to the point that the police were called. The two main points of contention were: The Black Sheep had not been notified of the funeral. Nothing was bequeathed to the B.S. (the will specifically stated that he was to receive nothing). His parting shot as he was escorted off the premises was that he would seek to contest the will. I suspect the deceased had anticipated this as a statement from her GP is included declaring that, in his opinion, there was no evidence of mental impairment. As there has been no contact between the B.S. and the deceased for over twenty-five years (not even a Christmas or birthday card), I don't see there is any grounds to contest the will. That said, I have come across a few (questionable) solicitors advertising a 'no win, no fee' service: I suspect the indemnity fee would be quite steep if they decided to take on a case. Aside from having to challenge a caveat if one is lodged before probate is granted, what are the prospects of any legal proceedings holding up probate ?

Hi new here so be gentle!! I took out a Loan in August 1999 with then Cedar Holdings over 180 months. This was later transferred to Black Horse. The Loan was secured on my home and I have never had a late payment or missed any payments. This weekend I remembered I was still paying the Loan and dug out the paperwork and with my minimal maths skills I worked out it should have finished last July. I have just got off the phone with Black Horse and although they tried to fob me off they were scrambling for an explanation. There explanation is that on our original documents we signed the forms agreeing to them being able to vary the term, but this agreement was with Cedar Holdings and I have the original paperwork and there is no mention of being able to extend the term only the interest rate. I explained that I had the original paperwork and this stopped them in there tracks. They then said that they had a letter signed by me in 2008 saying I had agreed to the change in term (I have not signed any form) They said the term had increased because of an interest rate change, which yes my payments went up from that date, but are they implying that they have back dated the rate back to 1999? even then it only works out 3 extra months and how would they be allowed to do that without my written consent. When I said I had not had any correspondence to that effect they again started mumbling. Now they are saying they can do it as it is in my terms and conditions. I explained that I am not happy and wanted a full explanation from them. they replied that the loan ended next month, but being the wag that I am I said yes but not if you decide to increase the term again!! Finally they asked what I wanted to happen to resolve this issue and they will call me back later today. This is where I need help. Have I got any basis to ask for compensation or are they entitled to at will alter my term without informing me.

Hi There, I'm in the process of cleaning up my credit report and have realised that the way defaults are reported are not particularly helpful! I had a new car on HP in 2010. Ran into difficulty quite soon into the agreement but worked with them to keep it fairly up to date. During the course of an 18 month period I fluctuated between one and two payments late, never more than two. Then my finances got worse and I ended up 3 payments behind. I made an arrangement with them and brought the account back up to date fairly quickly. I then missed a single payment and they defaulted my agreement. I did bring the account back up to date fairly quickly and since then have been on time. I am still up to date with the agreement which ends in 2 months time. My history with them goes : 0 1 0 1 1 2 2 1 1 2 2 1 1 1 2 2 3 2 0 0 1 D (then 3 years worth of Ds) Since the default I've been up to date with payments, with one slight slip into 1 behind for about 3 months in 2013. But the recent credit report history just shows DDDDDDDDDD etc... even though I've been on time most of the way through the agreement. This doesn't seem very fair to me, and since they defaulted me on a single payment behind I've been trying to argue (unsuccessfully so far) with them that the account shouldn't have defaulted. interestingly one of their staff agreed with me on the phone that the default was an error and should be removed. Unfortunately when I checked on this they denied that was ever said! My question is : Since interest should not be charged on defaulted accounts, and since the interest was front-loaded, should I be able to claim a rebate of the interest? The effect of this would be that I've now overpaid on the agreement and would be entitled to a rebate. IF indeed it was correctly defaulted. Obviously if the default was a mistake then they can simply correct my credit record and I'll complete the payments as agreed. If a rebate should be due how do I calculate the correct amount of interest on the loan? I wonder if it would also be better to record defaults as D0, D1, D2 etc.. . reflecting the payment status of any payment plan in place to clear the default - Just a thought!

I have received a letter from Ruthbridge Ltd asking me to pay a sum of just over £9000 which relates to a loan taken out with Black Horse in 2007 for c£30,000. Ruthbridge has supplied a copy of the CCA and a schedule of payments made on the debt right up to December 2012. The debt was originally defaulted on in 2008 and between 2008 and 2012 a nominal amount of £14 was paid monthly to the original creditor. At that point circumstances changed and that amount was not affordable. However recently I got a loan for a car from Black Horse, and this may have triggered the system that I could pay back some of the original debt. So two questions about the next stage really:- 1. The statement of payments sent by Ruthbridge from Black Horse shows a lump sum of £18000 paid off in 2008. I did not make that payment Should I ask Ruthbridge what that sum relates to? 2. I have no evidence of Ruthbridge now owning the debt. Should I ask for a deed of assignment from Black Horse to then (although I think the debt may have passed through other hands first)? I have not yet acknowledged the debt to Ruthbridge. Thanks

Hi. I'm looking into this for a friend (yes, that's actually true). The scenario is this: In August 2014 a car was bought on a Hire Purchase agreement from Black Horse. My friend was in a relationship at the time and this car and the costs was to be shared between two people. However they are no longer in a relationship. I believe the HP is in my friends name and not the other persons. She does not want to own the car as a single individual though. So my questions: - If the other person wants to keep the car for themselves is it possible to swap the entire agreement into their name? - If neither of them want to pay for the car is there an option to A- terminate? or B- sell the car privately? - If C- hand the car back and allow Black Horse to sell it then I assume they'll end up selling cheap and my friend still has a lot to pay back? - Are there any options I haven't mentioned above? In a sense, any solution where my friend can gain more than 50% of the outstanding value back is a winner. Thanks.

Thoughts needed please. I was tasked with item to buy for Xmas on the list was a Xbox one. I sourced a deal on amazon with a healthy 20% discount but as its a black friday deal you have 15 mins to purchase. My issue started when I noticed my discounted "star buy" rate was now the regular selling price some 24 hrs later. Is it against consumer law to offer discount based on false headline price? Headline price was only charged on black friday day of reduction. Headline did not match individual selling price or RRP. I asked for a breakdown of how headline price was calculated but amazon stead fast refused to provide information.

Hi all. I bought a TV from John Lewis online in the Black Friday sales. The TV is faulty and JL say they cannot exchange as the TV is now £150 more expensive. They can only refund my money. Is this right?

Just been on the phone to PCWorld as the Ipod Touch we ordered on the 28th November has not arrived and I was told that they are awaiting stock and it's unlikely to be back in stock before christmas I have just seen that it is in stock at my local store and online and I am wondering if they are trying to worm there way out of selling it to me at the offered £100 price tag... What should I do? I felt pressured into opting for a refund as it's a Christmas present

Hi all, some time ago I was contacted by Black Diamond-Legal Limited with respect to claiming back PPI. I decided to go ahead, as I just wanted to check on previous unsuccessful claims, this was in June. I have been contacted by an old bank, stating that I am eligible for a refund, they would contact Black Diamond-Legal Limited directly as I had given authority. I have tried to contact Black Diamond-Legal Limited from August this year, to no avail. Has anyone experience with this company/? thanks clayton

Help please! I took out a car finance agreement with Black Horse in Feb 2004. Towards the end of the agreement, I got into financial difficulty, and couldnt make the payments. I stopped making payments in 2008, the loan was over 5 years, and due to finish in 2009. I know the entry will stay on my credit file for 6 years from the start of the loan, but after the official loan term had finished, Black Horse then added a default to my credit file in May/June 2010. Are they allowed to do this? As surely after 6 years the entry should drop off my credit file so I dont see how they can then add a Default to the entry after this time has lapsed. Looking at the entry on my credit file, it doesnt even detail the loan agreement term, but its on the Agreement I had from Black Horse. I havent heard anything from Black Horse since 2008. Any advice would be much appreciated?! Thanks.

Several months ago i received a letter from Idem saying black horse had sold my debt to them at the same time i received a letter in the same envelope from Black horse confirming this, Both letter stated that if i was on a scheme this would be honoured, Black horse froze interest rates on my account in 2007 i was on a repayment only scheme, i thought nothing untoward until i received a letter from idem saying to ring them to set up a payment plan, The amount owed differed from what i actually owed, i rang them and they told me interest was being charged, i explained i was on an repayment only scheme. They said they would write to Black horse, i left it 3 weeks and contacted Black Horse they have not received any letter, However they said they would pursue this and made 2 telephone calls to them i phoned Idem and they confirmed they had received the calls, Now 2 months down the line and 5 letters latter to Idem , they have not replied or made any effort the honor the agreement with them or Black horse, any ideas or help please both my wife and myself anr well into retirement age and don't want the aggravation of these types

On Saturday I received a letter from Black Horse, completely out of the blue offering me a settlement of £830 as they had neglected to insert a right to cancel in a PCP car loan deal. I finished paying off the finance about 3 years ago and they wrote and said that in my annual statements they had neglected to inform me of a right to terminate the deal early and that they are no longer due the interest I paid during this period - £830 I didnt apply for a refund, or know I was entitled to one. They seem very keen for me to accet and cash a cheque quickly. Is this normal? Thanks

Hi all, I'll try and keep this straightforward as best I can in the hope of advice please!! My partner took out a secured loan for £24,000in Oct 2007 with Black Horse. She defaulted on the agreement in mid 2008, fairly early on due to personal problems which I won't go into. She still, however paid what she could to service the account. Obviously, the account fell into arrears and was defaulted. Long story short, just after we got together, she was honest with me and let me know about the debt, so we agreed that we would start paying the full monthly payments as we could just about afford it now. Around about June-ish 2011, we had a Black Horse 'customer service adviser' turn up unannounced on the doorstep. We welcomed him in as we wanted to get the debt back on track. He told us that if we paid twelve months at the regular full repayment amount, he would 'sort something out' about freezing the interest on the debt until the arrears were cleared and then we could continue paying and although it would take us longer, the debt would run it's course. We agreed to this and continued paying until about six months later when a different 'customer services adviser' turned up unannounced chasing the arrears. We explained what the first guy had said and the second guy duly froze the interest for three months as a concession. After the three months we called him and asked where do we go from here? He told us just to keep paying and he would sort something out. A couple of months later we called again and he got the interest frozen for another three months. Then he washed his hands of us and referred our calls to the customer service centre. I called time and time again asking where do we go from here with the debt, we were happy to keep paying the full payment, but we wanted something sorting about freezing the interest until the arrears was cleared. They just kept sending arrears statements. I kept calling asking about the agreement we were promised with the arrears and eventually in January 2014, I spoke to a woman who looked at the account and said ' to be honest, it does look like your interest is a little bit high' and she proceeded to freeze the interest for six months. Fast forward to June 2014, and the end of the interest freeze. We receive a letter from Idem Servicing, saying 'Welcome to Idem Servicing' and they go on to tell us to keep up any 'arrangements' that She had with Black Horse with them and to make payments directly to Idem as they had bought the debt. In the SAME ENVELOPE and SEQUENCIALLY NUMBERED from where it had come off the same printer, was a 'Black Horse' forged letter, addressed to my partner NOT TO Idem (had they intercepted her mail?) saying that her debt had been sold to Idem. There was a scribbled signature on it but no name of a Black Horse employee for reference. We were dumbfounded and tried to make our payment online to Black Horse as usual that month, but couldn't log on and the system didn't recognise the sign on account. We didn't pay Idem because, we didn't trust what was happening, and after researching further trusted them even less. We have never tried to run away from this debt and have payed regular as clockwork for the last few years. At the point that when Black Horse 'sold' the debt £25,227.31 had been serviced to the account and obviously we are not willing to just write that off. Idem called and were told to correspond only by mail, so they sent us more letters sying that they were putting interest on the loan and that the balance was going up from the outstanding balance of £26,838.77. Myself and my partner were temporarily seperated at the time and she offered to pay Idem £275 per month if they froze the interest until the arrears were cleared. They wrote back telling her that they would let her know once they had referred the query to BH and they had a response?? We sorted our differences and we are back together for good, and I saw the Idem letters and started reading CAG forums and I questioned Idems legal purchase of the debt and asked them for a NoA and CCA. I also SAR'd Black Horse. I sent both recorded and they were signed for on 14th Oct 2014. Idem didn't acknowledge and after the 10+2 days, I defaulted them on the CCA (I got the template off here) and I told them that I doubted their legal entitlement to collect the debt, I acknowledged NO debt to them. In the meantime (since I CCA'd them) the phone calls have continued (I just hang up) and the demands for money have arrived. They threatened to send their field agents Excel around, so I sent them a don't bother letter, no legal right (got the template off here). Anyway, this morning, NOTICE OF INTENTION TO DEFAULT from Idem plops onto the mat, informing the Mrs that; 'despite our attempts to assist you, you have failed to contact us to agree an acceptable payment plan' blah blah 'if we do not hear from you within 7 days of the date of this letter (dated 4 days ago), we will issue a default notice and then instruct the company's solicitor to commence proceedings for possession of your house'. Long winded I know, but can anyone give any advice as to what I should do please? Thanks, Dean

Hi, this is my first post and I hope someone can give me some advice. In September 2013 I purchased a car on finance through Black Horse. I am self-employed and over the last few months my business has been faltering. It should pick up again but this could take about 2 months to happen. I have missed the last 2 monthly instalments and am about to miss the third at the beginning of next week. Today I had a visit from a guy who worked for Ascent. They are apparently some sort of debt collection/management agent working for Black Horse. He was very pleasant and didn't ask me for any money but said I needed to sort it out or Black Horse could repossess my car. Obviously I don't want this to happen and I really do want to sort it out but at this moment I don't have the money. Does anyone know how long it would take them to repossess the car or could it happen very quickly? Other information: The loan was a 4 year HP agreement and the current balance is £8000. The value of the car is approx. £7000 or thereabouts. I am nowhere near the 'half' rule. I haven't paid a third of the total amount. Any help or advice is greatly appreciated.

word to the wise everyone my PPI letter was rejected by Lloyds as they stated that they didnt have any details about me (car loan with Black Horse from 1999). I did not have any bank statements from then, and Santander had told me in writing that they didnt have any either. However contacted Santander customer services (IN-BRANCH TELEPHONE - important) and they managed to locate the errant statements. (Important because this line of enquiry acually worked - use a telephone in-branch if you require statements) contacted Lloyds again who confirmed the account number on the statements was correct. They sent out a ppi claim form which was completed. Then rejected. I wrote back to them asking them to reconsider, and asking for a copy of the CCA. What was interesting was that the PPI box was pre-typed in with 'GOLD'. This was the age before online applications, and I argued that the PPI was not presented as an optional extra, but rather was not discussed before I visited the sales office. This is self-evident, and Lloyds know that they cannot prove that the PPI was discussed prior to me signing the CCA. Therefore they have agreed to refund the PPI plus interest. However, as a side note, the final amount is over £1300 short of what the PPI refund should be. Make sure you analyze any offer you receive.

I have sent the SAR and received it showing my name and signature. My question is this; if I borrowed the money from Black Horse, surely my debt is with them and no one else. I am also a bit peeved as if the SOLD the debt to Hillesden, then Black Horse has decided that this debt is a bad debt so got rid of it and as such have put the amount . .. some £3900 against their annual tax and I assume Hillesden paid between 10 p and 2p in the pound to buy the debt. My question is who is the debt with? I believe it is still with Black horse which makes Hillesens claim irrelevent. Am I right?

Good evening all. I would greatly appreciate any guidance on this as its stressing me out beyond words. My health is not fantastic at the moment and i am having to take numerous medications. In Sept 2005 i had some windows from Crystal windows. The man who came to do the financial forms etc asked if any one was on the mortgage with me, and i told him my Mother was, he took her details and address, saying it was his companies policy to do so. I made it quite clear to him that my Mother had nothing to do with the loan. She does not live with me, but somewhere else. The loan agreement went through and the windows were done. i received letters from Black Horse and they had my Mothers name on, i contacted them to be told the loan was in my Mother's name! I asked them how that was possible when i had signed and filled in the forms. they would not have it. i took all the paperwork i had to their local office, and they said they would sort it out. They never did and the office closed down. This was 8 years ago and the problem is still going on. I have been paying the loan from my bank, since then. Even though it is in my Mother's name. Recently i was hospitalised with a suspected Brain Tumour and was off work for 6 weeks and unable to pay this loan, they have sent a letter saying they will put a default on my Mothers credit report. She is elderly and very upset by all this. I have repeatedly contacted Black Horse, and both my Mother and i have sent in copies of our signatures and my paperwork. They sent me back paperwork for the loan that is quite different from my copies. they still insist my Mother took out the loan! I contacted Crystal Windows to see if they could help. I was told that the loan did go through in my name but was refused, then put through in my Mothers name! How can they do that! My Mother did not sign anything! It would seem the man who did the papers, afraid he would lose his commission, put the papers through in my Mother's name, and changed the initial in front of my signature to match her name. We share the same surname. I asked for contact details for the man that came but was told they had none for him as it was over 6 years ago. Black Horse want me to report it to the police but i have no name or details for this man. Also it is clear this man forged the forms, as Black Horse have copies of 2 direct debit mandates, one in my name, signed and filled in by me, and another with my Mother's name and filled in by someone else, not by my Mother, with my bank details. It is quite plain to see the writing is nothing like mine. This is becoming a nightmare, as the loan is mine, with my signature, but with my mother's name and my address. Can i go to court and have this cancelled as non executable as the details are all wrong? And would i have to do it as i signed for the loan, or my Mother as her name is on it? Many thanks.

I am new here but I have been reading about Idem. They have written to my husband only regarding our joint loan being transferred to them. They have given us a new account number and some basic info regarding paying. They have not confirmed what we should pay, or given any in depth info about the balance. What should we do? Is our loan still secured even though we have not agreed for Idem to have this? Is this even legal as I thought the homeowner has to agree security or the company has to get a court order? I am really confused and need some help as from what I have been reading about Idem they are really nasty and add alsorts of defaults to the account.