###LloydsTSB : Black Horse..reclaim good news, but want more!

[0706]

Hi

 

I have a car loan with Black Horse. 2 weeks ago I sent a reclaim letter for late payments charges, defualts charges etc for £1100. 5 days later I received a letter from BH offering a goodwill offer of £380.

 

I rejected the goodwill offer & today I received a letter waiving ALL of my collection activity charges/late payment charges totaling £665.

 

BH say this is their

'final response, however, if you do have any additional information thay may alter our decision, please send it to us'....

but does anyone know if I should/can claim the 2 Debt Collection Agency Fee Charges, one of £220.00 & another of £200.00 both dated the same day? These are being charged by BH not by Close protection.

 

Thanks

Good news...Barclaycard reclaim, I recieved full amount of £704.64 credited to my B/C account....no fuss!

[BankFodder]

Well I'm staggered that they seem to have caved in to you so easily. Well done.

 

Yes, go for the rest. Why not. It's yours

[dx100uk]

£200 debt collection charges!!! what

little fleecers

no wonder they want you to settle for less

 

you should be charging them int on EACH charge from its date to the date of you claim too!!

 

so now way settle for anything less!

[0706]

Thanks BankFodder & DX100UK.....I'll do another thanks but no thanks letter & await their reply. I think they have just ignored my claim to the debt collection agency fees...£440 in one day is just extortionate.

 

I'm really pleased how easy it's gone so far, but I'm still waiting for Halifax cr card to reply, I think they've got a week or so left to reply.

 

 

8-)Thx

[Bazooka Boo]

Charging you for debt collection eh! Whatever next..

 

Charging for debt collection

2.9 Charges should not be levied unfairly.

2.10 Examples of unfair practices are as follows:

a. claiming collection costs from a debtor in the absence of express

contractual or other legal provision

b. misleading debtors into believing they are legally liable to pay

collection charges when this is not the case, for example, when there

is no contractual provision

c. not giving an indication in credit agreements of the amount of any

charges payable on default

d. applying unreasonable charges, for example, charges not based on actual

and necessary costs

e. applying charges which are disproportionate to the main debt.

http://www.oft.gov.uk/shared_oft/business_leaflets/consumer_credit/oft664.pdf

[0706]

Thanks Bazooka Boo

Shall I quote the OFT unfair charges list?

 

Thanks:-)

[intend]

Definitely reclaim as Bankfodder states its your money.

 

I just got back £1500 of interest and charges on a CC from these - about to go after even more.

[0706]

Well done Intend!

 

I posted my letter back to them yesterday & gave them 7 days to respond...I quoted the OFT debt collection list that Bazooka Boo listed above.

I let you all know how I get on!

 

Thanks all