We'd like to remind Forumites to please avoid political debate on the Forum... Read More »
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
Black Horse(lloyds tsb) PPI
Options
sunnybubble
Posts: 33 Forumite
in Loans
hi guys
to explain my situation shortly i had a car loan in march 2004 through a local dealer which (of course) put a ppi on the agreement whithout my consent + iam self employed. i have been trying to get the sum written of the loan but blk horse has refused balming the dealer, so when i wrote to the dealer they blamed me for signing the docs, and basicaly said- tough what are you going to do about it! in the meantime the car was involved in a crash (as the devil never sleeps)and was writen off - i had a pay out and i paid the car off(i only had 8 months left on the agreement anyway) but refusing to pay for the ppi
so i took it to the ombudsman and i just had a repply back from them saying that they can not deal with the claim as black horse have only came under their authority in jan 2005 and my agreement was issued march 2004.
so the car is in storage with the insurance company they want to auction it but they cant because blk hose refuses to weaver the hp of it - i refuse to pay for the ppi i never asked for so i have come to a dead end.
where can one go next? can i file a claim through small claims court?
sure there must be something to stop this escalating any further...
thanks guys
to explain my situation shortly i had a car loan in march 2004 through a local dealer which (of course) put a ppi on the agreement whithout my consent + iam self employed. i have been trying to get the sum written of the loan but blk horse has refused balming the dealer, so when i wrote to the dealer they blamed me for signing the docs, and basicaly said- tough what are you going to do about it! in the meantime the car was involved in a crash (as the devil never sleeps)and was writen off - i had a pay out and i paid the car off(i only had 8 months left on the agreement anyway) but refusing to pay for the ppi
so i took it to the ombudsman and i just had a repply back from them saying that they can not deal with the claim as black horse have only came under their authority in jan 2005 and my agreement was issued march 2004.
so the car is in storage with the insurance company they want to auction it but they cant because blk hose refuses to weaver the hp of it - i refuse to pay for the ppi i never asked for so i have come to a dead end.
where can one go next? can i file a claim through small claims court?
sure there must be something to stop this escalating any further...
thanks guys
0
Comments
-
hi
i dont see how black horse can not have been regulated by the ombudsman before 2005?
can you check this is what they actually said to you?
perhaps you can type their response blanking out personal details.
Borgbaiterclaimed/settled - Natwest £2,535/£2,535, HSBC visa £80/£80, MBNA £1,258/£1,258, capital one £282/£282, tesco visa £515/£515, HSBC visa £140/£140. HSBC £1,450 MCOL Stayed for OFT case. Chelsea Mortgage charges & cashback £5000/£672. complaints with banks pending OFT Halifax £30, A&L £35. TOTALS £11,325/£54820 -
Have you asked for a copy of your credit file?
I am wondering how this account is noted and whether it will be of detriment to you getting further credit?0 -
yes the repply came on 14th july from the ombudsman saying that 'they cannot deal with my complaint because the business was not covered by them as they came under the ombudsman's authority on the 14th january 2005.
i think i am going to try the small claims court or the fsa bu i dont know which is more efficient.0 -
i think if they try to and they are in the wrong (which they are) they will have to by law remove any damaging points of one's file. so iam not bothered about that at the moment i just wan to know who is the best to turn to as a consumer -small claims court or fsa?0
This discussion has been closed.
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 351.1K Banking & Borrowing
- 253.2K Reduce Debt & Boost Income
- 453.6K Spending & Discounts
- 244.1K Work, Benefits & Business
- 599.1K Mortgages, Homes & Bills
- 177K Life & Family
- 257.4K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.1K Discuss & Feedback
- 37.6K Read-Only Boards