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In 2019 i made successful claim against Black Horse finance for mis-selling of PPI, I instigated the complaint myself, via an online form , following advice from the FCA , directly to Black Horse Finance, all communications regarding the matter where between myself and Black horse finance.
The matter was settled between myself and Black Horse Finance on 20 / 09 / 19.
On the approximate date of 10 / 04 /2021.......18 months.......... after the matter was settled between myself and Black Horse Finance, I began to receive numerous text messages, phonecalls , emails and letters from ALLAY Claims stating " Congratulations, Your Claim was successful, please see attached invoice for £1500 ". Initially I ignored the various communications as I believed it to be a scam. The letters emails and phonecalls continued which changed in nature stating that my invoice was " overdue ".
I decided to contact Allay claims by phone. I told Allay claims that i did not ask them to look into this matter, i did not authourise them to, they did not play any part in my successful claim of mis-sold PPI against Black Horse Finance and that I would contact Black Horse Finance regarding the matter.
Black Horse Finance advised that I would have to make a DSAR for all the information relating to the matter. I also made a DSAR request to ALLAY Claims. However Allay Claims replied only by email with attached , 2 X Word Documents and a PDF stating it is an ELOA with a signature that is not my signature, dated 26/06/19 .
I made a DSAR request to Black Horse Finance who have complied in good time with paper copies of all information relating to me and the timeline of my complaint for mis-sold PPI. They have also provided copies of finance agreements and actual documents that I have signed dating back to 2007, my signature has not changed significantly from 2007 to this present day.
Black Horse have included screen prints from their system which i have attached to this email. The screen print outs are not very clear, but are legible. I will provide paper copies if required.
The relevant points from the Black Horse Finance computer system screen shots are as follows.
14 / 06 / 19. Black horse finance receive a complaint from myself via an online complaint form, relating to what I believed to be mis-sold PPI. Their computer system records this as follows,
CASE DRIVER; Customer
TOUCH LEVEL; Online Complaint form
COMPLAINT NATURE; Mis-sale
20/ 09/19
Complaint upheld, letter sent offering a full refund.
I accepted Black Horse Finance decision they sent a cheque in the post to me and the matter was closed.
08/ 10/19 ( approximately 3 weeks after the matter between myself and Black Horse Finance was settled ) ALLAY Claims submit a complaint form to Black Horse Finance , however , Black Horse Finance note on their system that the complaint form does NOT have an LOA with it.
The first time that Black Horse Finance has any contact from ALLAY Claims is on 08/10/19........ after the the matter has been settled between myself and Black Horse Finance.
I made a formal complaint to Allay stating the above information. Allay replied by email with a very comprehensive reply, quoting lots of sections from their terms and conditions and stated that this would be their final response on the matter and if i am not satisfied to contact the FCA. I will provide the " final response email if required )
I have not yet contacted the FCA, ( I would like your advice before i do this.)
24 hours after ALLAY sent their " Final response " i began to receive ponecalls and text messages from a company called CRS stating they aere acting on behalf of Allay Claims to recover and outstanding "debt" of £ 1500 . 00.
I have not responded in any way to CRS. Allay have continued to send the " congratulations " emails and texts.
I thought i could deal with this matter myself but I really do need some guidance.
Thanks in advance. Neil
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