Black Horse...... HELP!!!!

[Jaybabes]

Hi all

 

I'm looking for some advice....

 

A few years ago my Dad done me the enormous favour of taking out a crdit agreement for a suite with Black Horse... the payments were never missed although were sometimes late... thus accruing penalty charges of £225.

 

The agreement was paid of in full back in July this year and I have documentation to state this although they are now chasing the charges on the account of £225.... I obviously don't want to pay these as they can be deemed as unlawful but the a*******s are now harrassing my poor old Dad with letters and phonecalls demanding the money.... I have on numerous occasions called them and advised them that if needed I will take them to court to have the charges reversed but to be honest I'm not sure if I can do this as I haven't yet paid any of them.

 

Can someone please offer any advice as to whether I have to pay them to reclaim them or if I can just write threatening court action to have them reversed without actually paying a penny.

 

Any templates for letters would be very helpful too :grin:

[rory32]

What you can do is get the charges removed from the account, so no you don't have to have paid them to claim them.

[rory32]

If you have a look at the following links they should help you http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/ http://www.consumeractiongroup.co.uk/forum/bank-templates-library/ If there is anything you are not sure of just ask.

[Jaybabes]

Hi Rory

 

I've had a look around the templates library but can't seem to find anything with regards to claiming back charges that I haven't actually paid..... can you point me in the right direction please ??

 

Thankyou

[Castlebest]

HI Jay. it doesn't matter whether you have paid the charges or not you are rightfully disputing there inclusion in the overall debt and therefore they are in dispute and cannot be collected until the matter is sorted out.

 

all you need to do is alter the templates from "repay" to "remove" Black Horse have added these charges into the overall debt balance and you want them removed.

 

pete

[steven4064]

What CB says is right. I know it is confusing but the fact that they have debited the charges to your account means you have paid them as the money will appear somewhere else in the bank's acounts as a credit and they will lend it to someone else and make money on it. Wonderful thing, accounting:D

[Jaybabes]

Thanks guys... confusing indeed lol

 

So is there a letter for Black horse in the templates page as I couldn't see it

[steven4064]

Just modify the standard prelim (give it back) letter

[Jaybabes]

OK think I'm sorted... modified the request for repayment letter and attached a schedule of the charges that have been applied (very kind gentleman gave me dates when they were applied over the phone so need to send S.A.R. saving me loads of time )

 

Just about to go and post it to them ...... registered of course

 

Fingers crossed cos my poor old Dad cant take much more of their harrassment

 

Watch this space

[steven4064]

very kind gentleman gave me dates when they were applied over the phone so need to send S.A.R. saving me loads of time

Eventually you will probably ned them in writing (for court if it gest that far) so, although it's fine to start the claim going, you should probably send in the SAR anyway.

[Jaybabes]

Hoping it wont get that far but its a fair point, I'll look at getting that done

[petethemanc]

Just to add that Blackhorse are one of the biggest set of ****holes ive ever had the misfortune to come into contact with. I hope you get a result with them.

[steven4064]

Just to add that Blackhorse are one of the biggest set of ****holes ive ever had the misfortune to come into contact with.

And there's quite some competition, believe me

[Jaybabes]

I got plenty of fight so don't intend to be a walkover

[petethemanc]

How is it going with Blackhorse?

[Jaybabes]

Had a reply just after festive period saying they have reduced the charges but are still looking for £96 so second letter on its way saying 'thanks but no thanks, reverse them all or else' LOL

 

Fingers crossed

[petethemanc]

Old thread i know, but what was the outcome?