Black Horse made it difficult for me to pay, now charging interest. Any comeback?

mohsinkhalid

Yes never been reminded

JaffaTheCake

jonesMUFCforever wrote: »

Yes and I always ask them to confirm receipt of the instruction.

Which I did, and have printed confirmation of in the form of a contract with them (hint: reading previous posts would have prevented your sarcastic mis-fire, I stated in my first post that my new address was part of the agreement contract)

Thanks for the help everyone else, seems they're not legally obliged to send information of how to pay. Blegh. Once bitten etc etc

dogshome

Hi jaffathecake - Black Horse would not have sent you Reminder Letters out of the goodness of their heart, they were sent because a clause in the loan agreement said they had to.

The basic legal premise is that if a letter is posted, it is deemed to have been recieved, BUT for this to hold water legally, it must have been sent to the correct address - There have been cases on this site where Contracts for the supply of Elec & Gas to Business's, have been voided because letters in the Post Code were wrong by just one digit.

Read your agreement thoroughly and note any clauses dealing with the dates on which written information was to be sent to you, and if this information went to the wrong address, WRITE to Blackhorse asking why they have breached the contract

JaffaTheCake

Wow, thanks for the reply. I'll look at the agreement in detail for that clause.

The agreement that I have from them states both my old address and my delivery address (the new address). Next to the delivery address it says "Is the customer moving to this address?", the box is ticked, and the following field "Date of move" is correctly filled in. They confirmed over the phone that they had the details of my new address but sent letters to the old address.

I was asked to send a complain either in the post or via email. I sent them an email which included a scan of the agreement (which has no details of how to pay, contact the company & shows my address details), a screenshot of their site showing no contact details, and a screenshot showing their site being down (it was a custom error message from their site, not just a connection fault at this end).

I certainly have proof they sent reminders to the wrong address, I guess it now depends on whether this is a breach of the contract.

You emphasised "WRITE", should I have done this rather than email?

Thanks once again for the help.

JaffaTheCake

Thanks to everyone who helped with this.

Following my complaint email which included PDFs and images showing how many barriers there were to paying, my fees were waived and I was allowed to pay the full interest-free amount.

I'm glad I wasn't defeatist as some of the people on this thread, and urge anyone in a similar situation not to simply give up but gather as much evidence as you can and write a letter/email of complaint.

Once again, thanks to all who helped.