Black Horse Secured Loan

5823yil

Hi took out a loan with Black Horse 2004 - a few years into loan I noticed that the interest rate had changed when I got a statement come through. I contacted Black Horse and they confirmed this was the second rate increase - I asked the question why did my payments not change - they advised that the added 18 months to the loan period.
I questioned this as I was not aware of the increase, which they advised a letter was sent for the first increase (computer generated). At that time I had issues with Royal Mail and back up proof so I geninuely did not received this information letter. I also questioned that each time I called to make to payment each month nobody told me that the monthly payment had increased.
Surely that have to get my agreement to increase the initial loan period.? And also ask me whether I would like to extend the loan period or payment the additional. Black Horse surely should not make a decision on my behalf. The increase amounted to £60 per month over the 18 month period where it had gone unnoticed. I now check my statements and ask for these every 3 months so I do not get in this position again - surprisingly the interest rate no longer appears.
I took the loan over 10 years and could commit to this - now they have added 2 years I am not sure what I will do when the time comes.
I contacted the Financial Ombudsman and went through the process - at the last minute Black Horse defended there actions and to Financial Ombudsman upheld in Black Horses favour.
My question is has this happened to anybody else - can they do this as this secured on my house I am stuck.
Can anybody help.
Thanks in advance