Chartered Trust/ Black Horse

[pickaname]

Hi caggers

 

Started the ball rolling today with my ppi claim against Black Horse. Knew I had PPi but had been to lazy really to do anything about it. Loans go back to 1999/2000 and possibly one around 2002 but not sure.

 

Decided to have a ferret in the attic today and found the old loan agreements result. PPI totalling 2336.06 on two loans and maybe a third loan yet. That is the total amount payable including interest.

 

Rang black horse and gave them agreement number, they still have it on their system.

 

Mentioned the other loans and they said all information on loans with them would be together in the forms she is sending.

 

 

These were with my ex husband will he need to sign too?

How drawn out are they with dealing with PPI claims?

Definitely miss sold as told no ppi no loan.

How do you work out the total including interest? Is it total paid x 8% x number of years?

[ims21]

Hi

 

For loans, have a read of No.1 in my signature. Its all there

 

ims

[dx100uk]

no

 

see my sig below.

and no your ex needs no involvement

dx

[pickaname]

Thanks, having a read. Lets hope they are not dragging their heels to much with sorting out claims

Though having a read of some of the threads efficiency is not a strong point.

[pickaname]

Received response today that

 

they do not uphold my complaint and do not consider it mis sold.

 

Main point being it is not a requirement to have ppi to get a loan and it would not have affected acceptance despite salesnman clearly stating no ppi no loan.

 

That we were not mislead in any way.

 

They then state that I can complain again to them or the finance and leasing association and not FOS.

 

FOS are only dealing with Black Horse Complaints from 1/12/01-31/03/03 and then from 14/01/05

 

My loans are 1999 and 2000.

 

Where to next?

 

It was made very clear no ppi no loan at the time but they are refuting this would happen!

[dx100uk]

ask them to prove it

 

never give up on the first buff off.

they can speculate all they like about what SHOULD have happened

 

but they were not there.

 

the saleman would hve told you that to get a nice commission on the PPI

sale to his pocket.

 

dx