PPI Reclaiming discussion Part III

dreamer33

robbiewilliams wrote: »

I haven't yet. Things have kind of reached a standstill. Is it worth doing that without the relevant docs as I haven't yet got those?

You could try the following number got it from Blackhorse personel finance website.

To speak to someone about an existing agreement.
If you would like to speak to an operator about any element of an existing agreement you have with Black Horse, call Customer Services on 0870 242 7878.

I was thinking if blackhorse are a part of Lloyds and Lloyds would have been covered by FOS, could you not take the complaint to FOS

You could call them and state sneakly that you have lost a credit agreement and wish for them to send you out a copy see what they say.

I'm not to sure what you have carried out so far.

dreamer33

Found this from FLA:

Consumer search

If the company name has been found, they will be covered by the FLA Lending Code

If the company name has not been found, please check with the company direct which complaints scheme they follow. If you have already been told that this is Finance & Leasing Association (FLA), please ring us on 020 7836 6511.
Query Details: Company Name: Contains 'Blackhorse '
[URL="javascript: OpenWindow(350,200, 'details.asp?dir=1&id=3774&type=O&checksum=2f0cbfc27c5b334c55e5ca4d82ac2cb0', 'Update', 'True');"]Blackhorse Finance[/URL]

rosemahairy

robbiewilliams wrote: »

Hi Marshallka
They are not going great at the moment. I am kind of wondering whether I am flogging a dead horse - both loans being pre 2005 and BlackHorse/Welcome. I find this whole thing a complete minefield. I know I need to get some more letters out. Welcome have told me they do not have the docs as it was 2001, but do I believe that knowing their track record. Then I have BH sending me current docs not the stuff I requested. Feeling a bit disorientated by the whole thing at the moment

Now there be the thorn in my side. I have been waiting 9 nearly 10months to be given an adjudicator person with the financial ombudsman (FO) to look into my complaint against welcome finance. My first loan with them was in about 2003 which i topped up about 5times between 03 and 05. I realised i had ppi and asked for copies to get the ball rolling. They were unable to give me copies of the agreements also. The FO wrote to them on my behalf requesting copies of the agreements which i am entitled to. Guess what... they ignored the FO's correspondence!! The FO are taking up my complaint against them because the last loan was taken out just when they became regulated by the FSA and the last loan was made up of old loans being turned over.

Im with a debt management programme suffering at paying installments to these thieving barstewards. According to welcome i still owe them just under 3000. I have calculated best i can using the agreements they did have copies of to calculate, they owe me in return about 3500 ppi back and that isn't including the whopping interest they drained me of usually around 40% plus the statutory interest i should get too. I rang the FO on Friday who assured me it wouldnt me much longer they said their waiting list was huge but they were now starting on complaints from early 2008. My complaint went in in March so any day. say some prayers for me. 2009 is the year i get debt free im sure of it. victory to the little people:rotfl:

dreamer33

What would you know Welcome are there too:

Consumer search

If the company name has been found, they will be covered by the FLA Lending Code

If the company name has not been found, please check with the company direct which complaints scheme they follow. If you have already been told that this is Finance & Leasing Association (FLA), please ring us on 020 7836 6511.
Query Details: Company Name: Contains 'welcome'
[URL="javascript: OpenWindow(350,200, 'details.asp?dir=1&id=2806&type=O&checksum=4575d3321445ab26e6e20e3a00a9efd8', 'Update', 'True');"]Welcome Financial Services[/URL]

di3004

rosemahairy wrote: »

Now there be the thorn in my side. I have been waiting 9 nearly 10months to be given an adjudicator person with the financial ombudsman (FO) to look into my complaint against welcome finance. My first loan with them was in about 2003 which i topped up about 5times between 03 and 05. I realised i had ppi and asked for copies to get the ball rolling. They were unable to give me copies of the agreements also. The FO wrote to them on my behalf requesting copies of the agreements which i am entitled to. Guess what... they ignored the FO's correspondence!! The FO are taking up my complaint against them because the last loan was taken out just when they became regulated by the FSA and the last loan was made up of old loans being turned over.

Im with a debt management programme suffering at paying installments to these thieving barstewards. According to welcome i still owe them just under 3000. I have calculated best i can using the agreements they did have copies of to calculate, they owe me in return about 3500 ppi back and that isn't including the whopping interest they drained me of usually around 40% plus the statutory interest i should get too. I rang the FO on Friday who assured me it wouldnt me much longer they said their waiting list was huge but they were now starting on complaints from early 2008. My complaint went in in March so any day. say some prayers for me. 2009 is the year i get debt free im sure of it. victory to the little people:rotfl:

Blimey, what are they like ?:eek:

Your entitled to your own agreements and I am happy to hear that the FO have put in a complaint about them.
Just shows, what have they got to hide??:rolleyes:

Good luck with this;) and that is a very long time you have been waiting all that time......

dreamer33

I think am gonna call it a night now, my eyes are sleepy and my bed is calling out to me lol.

Nite nite catch you all tomorrow xx

di3004

dreamer33 wrote: »

I think am gonna call it a night now, my eyes are sleepy and my bed is calling out to me lol.

Nite nite catch you all tomorrow xx

Okay hunni, sleep well and sweet dreams, I think I shall be off soon as well.;) :A

Night hun.
xxxxxx

rosemahairy

my computer isnt letting me say thanks i am trying btw lol

Has anyone heard of any decisions the FO have made on HFC bank or Welcome. I am awaiting 2 complaints now with them just wondered if the FO were kicking their butt or finding in their favour?? anyone
cheers Rosie

rosemahairy

rosemahairy wrote: »

my computer isnt letting me say thanks i am trying btw lol

Has anyone heard of any decisions the FO have made on HFC bank or Welcome. I am awaiting 2 complaints now with them just wondered if the FO were kicking their butt or finding in their favour?? anyone
cheers Rosie

its working now il do the thanks now lol

di3004

rosemahairy wrote: »

my computer isnt letting me say thanks i am trying btw lol

Has anyone heard of any decisions the FO have made on HFC bank or Welcome. I am awaiting 2 complaints now with them just wondered if the FO were kicking their butt or finding in their favour?? anyone
cheers Rosie

Bless you, thanks for the thanks lol.....:D :A .

Not heard anything up to now hun, but there is a lot I know still waiting to hear about these, fingers crossed then hey on both of them?;)