PPI claim with black horse

run3km · 22nd June 2009, 15:54

Hi I was wondering if someone can help me.

I took out a car loan with Black horseltd 3 years ago and was sold the loan and PPI by the company that sold me the car (local car dealer) who told me that i had to take it out or i was not likely to get the loan. I was not advised if i was already had insurance cover then i would not need it. I am a policeman and as a result i am well covered via them for insurance.

The PPI was added in full to my loan at the time of taking out.

I wrote to black horse ltd to claim for a mis sell who have wrote back stating that cause they did not sell the loan and it was the car company (3rd party broker) that sold it my issue is with them and not black horse.

Black horse have stated they have sent my complaint to the local car dealer to investigate and they should respone directly.

can anyone give me advise on how to progress from here.

thanks in advance

run3km · 22nd June 2009, 16:02

Hi I was wondering if someone can help me.

I took out a car loan with Black horseltd 3 years ago and was sold the loan and PPI by the company that sold me the car (local car dealer) who told me that i had to take it out or i was not likely to get the loan. I was not advised if i was already had insurance cover then i would not need it. I am a policeman and as a result i am well covered via them for insurance.

The PPI was added in full to my loan at the time of taking out.

I wrote to black horse ltd to claim for a mis sell who have wrote back stating that cause they did not sell the loan and it was the car company (3rd party broker) that sold it my issue is with them and not black horse.

Black horse have stated they have sent my complaint to the local car dealer to investigate and they should respone directly.

can anyone give me advise on how to progress from here.

thanks in advance

MARTIN3030 · 22nd June 2009, 17:37

Welcome to the site-will move your thread.

alanalana · 22nd June 2009, 21:45

Quote:

Hi I was wondering if someone can help me.

I took out a car loan with Black horseltd 3 years ago and was sold the loan and PPI by the company that sold me the car (local car dealer) who told me that i had to take it out or i was not likely to get the loan. I was not advised if i was already had insurance cover then i would not need it. I am a policeman and as a result i am well covered via them for insurance.

The PPI was added in full to my loan at the time of taking out.

I wrote to black horse ltd to claim for a mis sell who have wrote back stating that cause they did not sell the loan and it was the car company (3rd party broker) that sold it my issue is with them and not black horse.

Black horse have stated they have sent my complaint to the local car dealer to investigate and they should respone directly.

can anyone give me advise on how to progress from here.

thanks in advance

Firstly check out your Consumer Credit Agreement for the purchase of the car. If the cca shows the PPI added and it is an agreement signed by black horse then IMO black horse are the ones to claim from.

There are many incidents of creditor blaming broker and vice versa and somewhere in the melting pot is the issue of broker payments against what you are being charged. ie you buy a car, car dealer sets up PPI but at the end of the day this all appears on the CCA signed by the creditor. You make a claim for mis-sold PPI they blame the car sales who then blame the broker. Makes yer blood boil. So if your CCA includes a loan total and PPI and is signed by black horse go that route. I would guess you do not have a CCA signed by either the car sales or the broker.

hope this helps

aa

alanalana · 22nd June 2009, 21:48

I have merged your two threads so keeping track will be easier

aa

22nd June 2009, 15:54	#1 (permalink)
run3km Basic Account Holder Give yourself a better chance with our claims guides and litigation kits Cagger since : Jun 2009 Posts: 3	PPI claim with black horse Hi I was wondering if someone can help me. I took out a car loan with Black horseltd 3 years ago and was sold the loan and PPI by the company that sold me the car (local car dealer) who told me that i had to take it out or i was not likely to get the loan. I was not advised if i was already had insurance cover then i would not need it. I am a policeman and as a result i am well covered via them for insurance. The PPI was added in full to my loan at the time of taking out. I wrote to black horse ltd to claim for a mis sell who have wrote back stating that cause they did not sell the loan and it was the car company (3rd party broker) that sold it my issue is with them and not black horse. Black horse have stated they have sent my complaint to the local car dealer to investigate and they should respone directly. can anyone give me advise on how to progress from here. thanks in advance

22nd June 2009, 16:02	#2 (permalink)
run3km Basic Account Holder Your bank owes you an awful lot more money than you realise See here Cagger since : Jun 2009 Posts: 3	mis sold PPI need help Hi I was wondering if someone can help me. I took out a car loan with Black horseltd 3 years ago and was sold the loan and PPI by the company that sold me the car (local car dealer) who told me that i had to take it out or i was not likely to get the loan. I was not advised if i was already had insurance cover then i would not need it. I am a policeman and as a result i am well covered via them for insurance. The PPI was added in full to my loan at the time of taking out. I wrote to black horse ltd to claim for a mis sell who have wrote back stating that cause they did not sell the loan and it was the car company (3rd party broker) that sold it my issue is with them and not black horse. Black horse have stated they have sent my complaint to the local car dealer to investigate and they should respone directly. can anyone give me advise on how to progress from here. thanks in advance

22nd June 2009, 17:37	#3 (permalink)
MARTIN3030 Site Team The Consumer Action Group Watch out, there are Claims Touts about! Cagger since : May 2006 I am in: St.Helens Merseyside Posts: 25,476	Re: PPI claim with black horse Welcome to the site-will move your thread. __________________ Please take time to read up. Respect other users -no libel or flaming If you cant see what you need-ask Patience is a virtue - dont we know it. All advice and guidance offered is done so without liability,and is personal experience and views only.If in doubt seek professional help from a legally trained professional. Your views and thoughts count,we welcome any suggestions for improvements.

22nd June 2009, 21:48	#5 (permalink)
alanalana Site Team Worried about your signature being copied onto CCAs etc? Use SignGuard Cagger since : Nov 2006 I am in: Cumbria Posts: 4,528	Re: PPI claim with black horse I have merged your two threads so keeping track will be easier aa __________________ I have no legal training and the advice I offer is a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner. ------------------------------------------------ Bank charge successes: Halifax - Full settlement incl interest. HSBC - Settlement, goodwill no admission of liability about 75% of claim. RBS - Settlement, goodwill no admission of liability about 70% of claim. 2 ongoing claims for bank charges with HSBC with more to come. (Supreme Court ruling could have upset these claims) They did PPI Successes PPI 4 settlements on 9 loans. FOS involvement on 7 added on the 8 % Statutory interest another 30% to both. 2 claims settled in full with LV without FOS involvement. 2 claims settled in full with HSBC without FOS involvement PPI Claims ongoing with: Cap one Now with the FOS Barclays. They have now been given a deadline before FOS action. No response so complaints now with ICO and FOS. LTSB still have to decide on this as their SAR production was abysmal. Papers data mixed up documents missing etc 1 Complaint not upheld by FOS they said it was ICO issue. Complaint upheld by ICO. See this.. Post 290 from *RBS PPI Claim Long fight but, WON* Please do not PM me for advice as it may be sometime before I can respond. Keep at them. Do not give way and do not accept all they tell you, they will delay and stall for as long as they can to prevent repaying you your mis-sold PPI.