Please help Black Horse PPI nightmare

Hi, can anyone give me some advice on a PPI claim with Black Horse? I began a claim in March 2019 when I requested a copy of my loan agreement. They sent a letter asking for evidence of my name change. I sent a copy of my marriage certificate. I heard nothing from them! I decided to go through the Claims Guys! Big mistake! A result came back with PPI located. Fantastic I thought. A complaint was sent to Black Horse May 2019. Claims guys nightmare with updates! Over a year and a half of waiting. Finally in the last week Black Horse day they sent a letter to me in July saying the claim is out of jurisdiction! How can this be when I put a claim in before the deadline?! Claims guys say for me to ask for a copy of the letter and now they cannot help me further. What should I do now? Try and contact Black horse or the ombudsman? Please help! I have been waiting long enough and now just fed up. But I won’t give up! Thank you for reading! 

Replies

  • Sounds like the Claims Guys didn't get round to posting your complaint off in time, especially as they're now not interested.
  • dunstonhdunstonh Forumite
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    Finally in the last week Black Horse day they sent a letter to me in July saying the claim is out of jurisdiction!

    This could be a couple of things.

    a) either the complaint was not submitted in time as suggested above or 

    b) they did not sell the PPI.   

    Black Horse are only liable for PPI sales that they made.  They are not liable for PPI sales made by third parties.  Such as car dealers etc.   In those cases, the third party is liable.

    So, did Black Horse sell this loan and PPI to you directly or did you buy it through a car dealer or retailer etc?


    I am an Independent Financial Adviser (IFA). The comments I make are just my opinion and are for discussion purposes only. They are not financial advice and you should not treat them as such. If you feel an area discussed may be relevant to you, then please seek advice from an Independent Financial Adviser local to you.
  • hanlouise2580hanlouise2580 Forumite
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    Hi, it was a loan through a car dealership whom I worked for at the time. 
    Thank you for your comment 
  • That's your answer then.  

    You/The Claims Guys sent the complaint to the wrong company.
  • hanlouise2580hanlouise2580 Forumite
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    Right Ok thanks 
  • dunstonhdunstonh Forumite
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    Hi, it was a loan through a car dealership whom I worked for at the time. 
    Thank you for your comment 
    Just confirming in addition to zx81.    The car dealership carries the liability.  Your claims company made a mistake by sending the complaint to Black Horse instead of the dealership.   If the sale of the PPI predates January 2005, then the car dealership would not have considered it either as that is when insurance became regulated.  Only the banks, building societies and a few insurers have to consider pre-regulation complaints.
    I am an Independent Financial Adviser (IFA). The comments I make are just my opinion and are for discussion purposes only. They are not financial advice and you should not treat them as such. If you feel an area discussed may be relevant to you, then please seek advice from an Independent Financial Adviser local to you.
  • hanlouise2580hanlouise2580 Forumite
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    thank you. I took the car loan out in 2002. 
  • dunstonhdunstonh Forumite
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    That means you were out of luck before you started.  The claims company should have told this but it just shows how useless most of them are.  
    I am an Independent Financial Adviser (IFA). The comments I make are just my opinion and are for discussion purposes only. They are not financial advice and you should not treat them as such. If you feel an area discussed may be relevant to you, then please seek advice from an Independent Financial Adviser local to you.
  • hanlouise2580hanlouise2580 Forumite
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    Very true indeed. Thank you for your advice. I have learnt a lot today. Clearly the claims guys need training! Thank you all 
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