PPI claim against Black Horse Finance - Where do I start??

[Angry Cat]

Re: PPI claim against Black Horse Finance - Where do I start??

Make a CCA section 77 request!

[skintmember]

Re: PPI claim against Black Horse Finance - Where do I start??

Hi sorry barge in if I'm out of line please move me along My husbands issue is i had PPI on loan number 1 10 thousand in December 21st 2004 the first payment was meant to come out 21st January but came out in February we refinanced in well here's the tricky bit we refinanced in May 2007 15 thousand It came with Ppi added £415.00 cm we were getting £3063.00 the rest was to pay off the old loan
We told him we didn't want or need PPI.
he said that he would sort it out, & as we were desperate for the money at the time as we had been promised it, but the payments would be too much anyway without PPI It would be £334 Per month
He offered to get us 2000 pounds until new papers would be drafted & land registry would sorted out. He advised that you couldn't have two secured loans,
& that he would make it a personal loan to my husband in May we received
£1650.00 he advised that he would need to juggle and pay some PPI for the period
(Which in fact was less that a month) 6th June we received the paper work which told us it was paying loans 1 + 2 £11000 Something the straight £2000.00 +£1063.00 to us. Please note I was suffering with with my nerves at the time
As we got custody of my husbands 2 boys + my own me being the only girl didn't help . I just couldn't cope  I'm only explaining as to why I didn't open any letters as we were getting debt letters charges and couldn't pay I didn't open bank statements until this year

When Black horse got in touch about the redress 2013
That they had previously denied any PPI the first loan PPI £1948.00 advised us that they didnt sign up to Rules until January 2005

We filled out the form out mainly saying I don't really know
we took two loans not counting £2k up from mentioned earlier.

we were confused when we got letters for accounts we knew nothing about
they said we refinanced £15000.00 in November 2005 with no PPI they calculated the £335.00 bank statements prove that they took the money that's when I opened the bank statements they took out £335.00 per month I can't see where it started I will check I have seen the payments I'm totally confused
The redress we were expecting quite a lot as we paid it until may 2007 for the first
We when though the they say we made 11 payments Loan 2 no PPI Loan 3 ppi upheld no payments made? Loan 4 no ppi redress figure £2346.89
Which seems great but we don't agree with the aledged loan 2
We asked for signed copies which they sent (signed & dated) agreement 1
(Unsigned undated) agreement 2 In fact they sent one with ppi and another without? We then called a few times got the run around.
We got this girl who said she would send a signed copy to us she did a reconstructed one with no dated added she said as the £2000.00 was over 6 years ago they no longer had a copy.
We called on Friday to discuss and try get to bottom of it
got fobbed off kept getting put through to someone else.
after repeating the same and amounts and noted the sums were uncorrect We got through to a 'specialist' we asked what date the moneys went in they asked do you want to report a fraud explaining I would need to call the police and get a crime number we said yes as we have a bank statement for that date and nothing went in he was supported to call back but didn't We called today and he asked us do we have any payment information of money going in November 2005 he said
Told us the dates last week and now he knows we have the statement for 23rd November the date of agreement, 'he says money could take up to a week
after credit file check 2013 state when the loan agreements started even the first 10k 21st December 2004  15K 23rd November 2005 
£2423.00 10th May 2007 £15k 5th June 2007
What do you think can someone please help

[skintmember]

Re: PPI claim against Black Horse Finance - Where do I start??

Thanks a million I know my spellings and literature is bad I apolgises.��