Your browser isn't supported
It looks like you're using an old web browser. To get the most out of the site and to ensure guides display correctly, we suggest upgrading your browser now. Download the latest:

Welcome to the MSE Forums

We're home to a fantastic community of MoneySavers but anyone can post. Please exercise caution & report spam, illegal, offensive or libellous posts/messages: click "report" or email forumteam@.

Search
  • FIRST POST
    • Dizzybacon
    • By Dizzybacon 10th Jan 18, 6:07 PM
    • 2Posts
    • 0Thanks
    Dizzybacon
    Blackhorse cannot find details
    • #1
    • 10th Jan 18, 6:07 PM
    Blackhorse cannot find details 10th Jan 18 at 6:07 PM
    So Iíve started my Blackhorse Finance Mis-Sold PPI claim. I took out a loan for a car back in 2006, paid off in full 2011. Was sold PPI being told I had to have PPI to be accepted for the loan. Plus I didnít need it.

    Fast forward to 2017 and Blackhorse cannot find my details even though I have provided evidence of payments made, my address, the date the agreement was signed etc but to no avail. Stupidly I didnít keep a copy of the credit agreement.

    Now if Blackhorse are saying they cannot find me and thus no credit agreement exists surely I can now sue them for the five years of payments they took from me?
Page 1
    • antrobus
    • By antrobus 10th Jan 18, 6:24 PM
    • 15,360 Posts
    • 21,906 Thanks
    antrobus
    • #2
    • 10th Jan 18, 6:24 PM
    • #2
    • 10th Jan 18, 6:24 PM
    So Iíve started my Blackhorse Finance Mis-Sold PPI claim. I took out a loan for a car back in 2006, paid off in full 2011. Was sold PPI being told I had to have PPI to be accepted for the loan. Plus I didnít need it.

    Fast forward to 2017 and Blackhorse cannot find my details even though I have provided evidence of payments made, my address, the date the agreement was signed etc but to no avail. Stupidly I didnít keep a copy of the credit agreement.

    Now if Blackhorse are saying they cannot find me and thus no credit agreement exists surely I can now sue them for the five years of payments they took from me?
    Originally posted by Dizzybacon
    I thought Blackhorse Finance did dealer finance. Shouldn't the complaint have been made to the dealer?

    P.S. You could sue Blackhorse if you wanted. Don't think you'd win.
    • Dizzybacon
    • By Dizzybacon 10th Jan 18, 6:44 PM
    • 2 Posts
    • 0 Thanks
    Dizzybacon
    • #3
    • 10th Jan 18, 6:44 PM
    • #3
    • 10th Jan 18, 6:44 PM
    Thanks for the reply. What if the dealer has gone bust??
    • antrobus
    • By antrobus 10th Jan 18, 7:13 PM
    • 15,360 Posts
    • 21,906 Thanks
    antrobus
    • #4
    • 10th Jan 18, 7:13 PM
    • #4
    • 10th Jan 18, 7:13 PM
    Thanks for the reply. What if the dealer has gone bust??
    Originally posted by Dizzybacon
    FSCS, I believe.
    • zx81
    • By zx81 10th Jan 18, 7:24 PM
    • 14,915 Posts
    • 15,759 Thanks
    zx81
    • #5
    • 10th Jan 18, 7:24 PM
    • #5
    • 10th Jan 18, 7:24 PM
    Now if Blackhorse are saying they cannot find me and thus no credit agreement exists surely I can now sue them for the five years of payments they took from me?
    Originally posted by Dizzybacon
    Clearly not. .
    • dunstonh
    • By dunstonh 10th Jan 18, 8:33 PM
    • 90,403 Posts
    • 57,189 Thanks
    dunstonh
    • #6
    • 10th Jan 18, 8:33 PM
    • #6
    • 10th Jan 18, 8:33 PM
    Now if Blackhorse are saying they cannot find me and thus no credit agreement exists surely I can now sue them for the five years of payments they took from me?
    Thanks for the joke. It made me laugh.
    I am an Independent Financial Adviser (IFA). Comments are for discussion purposes only. They are not financial advice. Different people have different needs and what is right for one person may not be for another. If you feel an area discussed may be relevant to you, then please seek advice from an Independent Financial Adviser local to you.
    • sun73
    • By sun73 10th Jan 18, 9:58 PM
    • 374 Posts
    • 121 Thanks
    sun73
    • #7
    • 10th Jan 18, 9:58 PM
    blackhorse ppi
    • #7
    • 10th Jan 18, 9:58 PM
    So Iíve started my Blackhorse Finance Mis-Sold PPI claim. I took out a loan for a car back in 2006, paid off in full 2011. Was sold PPI being told I had to have PPI to be accepted for the loan. Plus I didnít need it.

    Fast forward to 2017 and Blackhorse cannot find my details even though I have provided evidence of payments made, my address, the date the agreement was signed etc but to no avail. Stupidly I didnít keep a copy of the credit agreement.

    Now if Blackhorse are saying they cannot find me and thus no credit agreement exists surely I can now sue them for the five years of payments they took from me?
    Originally posted by Dizzybacon
    Did you send a Subject Access Request to Blackhorse? I'm surprised they cannot locate your account if it was only closed in 2011, still more or less within six years of the recommended data retention period. I suspect the PPI team will have only searched their current systems, so try a SAR and see what it produces.
    • -taff
    • By -taff 10th Jan 18, 10:57 PM
    • 7,335 Posts
    • 5,388 Thanks
    -taff
    • #8
    • 10th Jan 18, 10:57 PM
    • #8
    • 10th Jan 18, 10:57 PM
    That will only work if they went direct to Black Horse not through a dealer.

    It appears they went through a dealer, so, the FSCS is their only hope obi-wan.
Welcome to our new Forum!

Our aim is to save you money quickly and easily. We hope you like it!

Forum Team Contact us

Live Stats

4,482Posts Today

8,933Users online

Martin's Twitter