Tweet
Hi sorry barge in if I'm out of line please move me along
My husband & I
Our issue is we had PPI on loan number 1 10k 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 15k It arrived with Ppi added £415.00pcm
we were getting £3063.00 the rest was to pay off the old loan
We contacted the agent to inform 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 to advance 2k while the new papers would be drafted & land registry would sorted out.
He advised that you couldn't have two secured loans at the same time
& that he would make it a personal loan to my husband
he later advised that he would need to juggle and pay some PPI for the period
(Which in fact was less that a month)
This was in May 2007 we received £1650.00 well their is. Credit for £1650
Although I dosnt say black horse just credit)
On the 6th June 2007 the day the loan started we received the paper work which told us it was paying loans 1 + 2 (£11000 Something) £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 in 2013
they had previously denied any PPI then we tried with a claims company
For the first loan PPI £1940.00 they 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 received letters for accounts we knew nothing about
they said we refinanced £15000.00 in 23rd November 2005 with no PPI they calculated the £335.00 our bank statements prove the money was taken out dies this prove we did take the loan out Please advise ⭐️
The redress arrived and was upheld
Although the they say we only made 11 payments of £50.00
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 alleged loan 2
We asked for signed copies which they sent eventually
Agreement 1 signed & dated)
Agreement 2 (Unsigned undated) agreement 2 In fact they sent one with ppi added & another without? PPI
Agreement 3 unsigned undated
Agreement Signed and dated the 2 loans we fully agree with
We then called a few times got the run around.
We spoke with a 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 p
We got through to a 'specialist' we asked the dates the moneys went in his account
they asked do you want to report a fraud explaining We 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 his account
he was promised to call back but didn't
We called him today and he asked us do we have any payment information of money going in November 2005.
He 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 have take up to a week to reach the bank ( is this true)
My husband 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
I have more info on his bank statements although the £335 was taken it says 1st February 2007 BLACK HORSE first payment
we recieved a telephone call from the agent on the 18th January 2007
He said There had been a mistake with our Loan & it wasn't secured
Bearing in mind we thought he meant loan 1
The agent sent a letter noting the conversation
the account will now be taken out as agreement number 2
This is the £15k loan 2
Please can anybody help me as this has been going on since May
Do we take the money offered even though we don't agree with the loan
Any advice will be greatly appreciated
Thanks in advance
My husband & I
Our issue is we had PPI on loan number 1 10k 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 15k It arrived with Ppi added £415.00pcm
we were getting £3063.00 the rest was to pay off the old loan
We contacted the agent to inform 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 to advance 2k while the new papers would be drafted & land registry would sorted out.
He advised that you couldn't have two secured loans at the same time
& that he would make it a personal loan to my husband
he later advised that he would need to juggle and pay some PPI for the period
(Which in fact was less that a month)
This was in May 2007 we received £1650.00 well their is. Credit for £1650
Although I dosnt say black horse just credit)
On the 6th June 2007 the day the loan started we received the paper work which told us it was paying loans 1 + 2 (£11000 Something) £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 in 2013
they had previously denied any PPI then we tried with a claims company
For the first loan PPI £1940.00 they 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 received letters for accounts we knew nothing about
they said we refinanced £15000.00 in 23rd November 2005 with no PPI they calculated the £335.00 our bank statements prove the money was taken out dies this prove we did take the loan out Please advise ⭐️
The redress arrived and was upheld
Although the they say we only made 11 payments of £50.00
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 alleged loan 2
We asked for signed copies which they sent eventually
Agreement 1 signed & dated)
Agreement 2 (Unsigned undated) agreement 2 In fact they sent one with ppi added & another without? PPI
Agreement 3 unsigned undated
Agreement Signed and dated the 2 loans we fully agree with
We then called a few times got the run around.
We spoke with a 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 p
We got through to a 'specialist' we asked the dates the moneys went in his account
they asked do you want to report a fraud explaining We 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 his account
he was promised to call back but didn't
We called him today and he asked us do we have any payment information of money going in November 2005.
He 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 have take up to a week to reach the bank ( is this true)
My husband 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
I have more info on his bank statements although the £335 was taken it says 1st February 2007 BLACK HORSE first payment
we recieved a telephone call from the agent on the 18th January 2007
He said There had been a mistake with our Loan & it wasn't secured
Bearing in mind we thought he meant loan 1
The agent sent a letter noting the conversation
the account will now be taken out as agreement number 2
This is the £15k loan 2
Please can anybody help me as this has been going on since May
Do we take the money offered even though we don't agree with the loan
Any advice will be greatly appreciated
Thanks in advance
xxx