Possible claim against Black Horse

Barney15c

Back in the 2000's I took out a secured loan with Black Horse for £24000. I paid them for about 5 years until they came out of the personal loan market, and they sold on my loan to another company.  I continued this arrangement until I fully paid off the loan about 4 years ago and had the charge removed from my mortgage, and my mortgage is fully paid off too. I see that Black Horse are settling claims for Car finance, but was wondering if I might have a claim for PPI for the personal loan.  I don't have the original paperwork when I took out the loan with Black Horse anymore. What would I need  to put in a claim for any misselling , would it just be an approximate date I took out the loan and my name.Do I have any grounds for a claim at all? 
Any advice would be greatly appreciated. I'm not expecting much, but anything helps!

singhini

Barney15c said:

Back in the 2000's I took out a secured loan with Black Horse for £24000. I paid them for about 5 years until they came out of the personal loan market, and they sold on my loan to another company.  I continued this arrangement until I fully paid off the loan about 4 years ago and had the charge removed from my mortgage, and my mortgage is fully paid off too. I see that Black Horse are settling claims for Car finance, but was wondering if I might have a claim for PPI for the personal loan.  I don't have the original paperwork when I took out the loan with Black Horse anymore. What would I need  to put in a claim for any misselling , would it just be an approximate date I took out the loan and my name.Do I have any grounds for a claim at all? 
Any advice would be greatly appreciated. I'm not expecting much, but anything helps!

Quick question: How were you mis-sold?

I thought a claim cannot be put in for PPI mis-selling after August 2019 unless you can demonstrate exceptional circumstances preventing you from claiming earlier. What prevented you from claiming earlier?

The last three words of your post read to me like your after a handout (apologies if your not but from what you wrote there isn't much substance that suggests mis-selling (not all PPI was mis-sold). 

fatbelly

Barney15c said:

Back in the 2000's I took out a secured loan with Black Horse for £24000. I paid them for about 5 years until they came out of the personal loan market, and they sold on my loan to another company.  I continued this arrangement until I fully paid off the loan about 4 years ago and had the charge removed from my mortgage, and my mortgage is fully paid off too. I see that Black Horse are settling claims for Car finance, but was wondering if I might have a claim for PPI for the personal loan.  I don't have the original paperwork when I took out the loan with Black Horse anymore. What would I need  to put in a claim for any misselling , would it just be an approximate date I took out the loan and my name.Do I have any grounds for a claim at all? 
Any advice would be greatly appreciated. I'm not expecting much, but anything helps!

Well done for paying off the loan.

I think you may have missed the boat for a ppi claim.

As for an affordability claim, this would normally apply to personal loans, not secured loans

dunstonh

 I see that Black Horse are settling claims for Car finance, but was wondering if I might have a claim for PPI for the personal loan. 

You have long past the point of making a complaint on PPI.   The FCA have closed that door many years ago.

Car finance is not about PPI.  Its about whether car dealers acted as a broker or not.   So, that would not apply to a personal loan or secured loan bought from the lender.

What would I need  to put in a claim for any misselling , would it just be an approximate date I took out the loan and my name.Do I have any grounds for a claim at all? 

You haven't mentioned any grounds for misselling.  Nothing you have said indicates any wrongdoing.  So, how was it missold?