GDPR Cookie Consent by SimpleServe Privacy Script Ten years of Black Horse, help me to end it please ? - AAD Consumer Forum

Announcement

Collapse
No announcement yet.

Ten years of Black Horse, help me to end it please ?

Collapse
X
 
  • Filter
  • Time
  • Show
Clear All
new posts

  • Re: Ten years of Black Horse, help me to end it please ?

    Ok, here we go.... by recorded delivery.


    Dear Sir/Madam,

    Your Ref:

    I do not acknowledge any debt to your company and refer to your letter of xx/xx/xx, in response to my second formal complaint.

    Following two separate requests for clarification under the Consumer Protection from Unfair Trading Regulations (CPUTR) 2008, I would like to thank you for confirming, at last, that you "cannot comment on actions taken prior to acquisition". In other words, neither you nor Black Horse Finance are able to substantiate any figures bought/sold by Absolute Assignment at all.

    Your assertion that Black Horse Finance did not uphold my complaint prior to this account landing into your hands is an economical use of the truth at best; they were unable to address the points raised within it and/or provide any cogent explanation regarding amounts alleged to be owed, how figures were calculated, as well as a number of other anomalies that were brought to their attention and subsequently glossed over or ignored. Instead, Black Horse Finance decided (allegedly) to rid themselves of a problem completely, by Absolute Assignment, rather than uphold my complaint and address various concerns that I was/am perfectly entitled to raise. I am therefore not surprised that you are unable to address those concerns either.

    I have already pointed out to you that this account was clearly disputed before it fell into your hands, is both an unlawful and invalid assignment and, I have no desire to keep on repeating myself. Please note therefore, that if you decide to pursue me through the county court for payment on a clearly disputed account regardless of your response under CPUTR (2008) that you "cannot comment on actions taken prior to acquisition", then this will be brought before the court as a deliberate attempt to mislead.

    I look forward to confirmation that your files are now closed.

    Yours faithfully,



    Last edited by PriorityOne; 28 January 2014, 23:36.
    Remember the mantra:
    NEVER communicate by 'phone.

    Send EVERYTHING by Recorded/Special Delivery
    Keep a copy of EVERYTHING sent
    Keep hold of EVERYTHING received

    PriorityOne & CPUTR 2008 (ex P1 CAG CPUTR 2008)


    I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

    If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

    Comment


    • Re: Ten years of Black Horse, help me to end it please ?

      fr***** brilliant ! I shall get that off ASAP ....and thanks Niddy for the reassurance
      If you are using a shovel to dig yourself into a hole, a credit card company will be happy to give you a JCB !!

      Comment


      • Re: Ten years of Black Horse, help me to end it please ?

        I'm playing with them Susie.....as I'm sure the words they used weren't meant to be interpreted that way at all....

        That's the beauty of getting things in writing....
        Remember the mantra:
        NEVER communicate by 'phone.

        Send EVERYTHING by Recorded/Special Delivery
        Keep a copy of EVERYTHING sent
        Keep hold of EVERYTHING received

        PriorityOne & CPUTR 2008 (ex P1 CAG CPUTR 2008)


        I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

        If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

        Comment


        • Re: Ten years of Black Horse, help me to end it please ?

          I sort of got it... lol.... I love your "high falutin" use of words , mixed with a gutter "don't mess with me " style.... Which is she... solicitor or street fighter ?? its lovely... and its in the post....xx
          If you are using a shovel to dig yourself into a hole, a credit card company will be happy to give you a JCB !!

          Comment


          • Re: Ten years of Black Horse, help me to end it please ?

            Originally posted by Susiebling365 View Post
            I sort of got it... lol.... I love your "high falutin" use of words , mixed with a gutter "don't mess with me " style.... Which is she... solicitor or street fighter ?? its lovely... and its in the post....xx
            Street fighter with attitude..... Hell yeah!
            Remember the mantra:
            NEVER communicate by 'phone.

            Send EVERYTHING by Recorded/Special Delivery
            Keep a copy of EVERYTHING sent
            Keep hold of EVERYTHING received

            PriorityOne & CPUTR 2008 (ex P1 CAG CPUTR 2008)


            I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

            If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

            Comment


            • Re: Ten years of Black Horse, help me to end it please ?

              Hi.... Just had a no nonsense reply " The comments made within the above mentioned letter have been noted, however we have nothing further to add that has not already been detailed in our letter dated 23 january 2014.
              Your account remains with our collections department for collections activity to continue . signed a squiggle "

              What's your advice and opinion on that Priority ?

              also.. can I ask...... If they intend taking me to court (hope not), won t they need all that crap paperwork ie the invoices and letters etc that I am disputing? Do these get passed on when they buy accounts?

              The support from this forum is megga, I feel so much stronger in fighting this messy debt I was forced into. They have had their pound of flesh and still want more.
              Thats what they re doing cos I don t have any more to give !!!


              If you are using a shovel to dig yourself into a hole, a credit card company will be happy to give you a JCB !!

              Comment


              • Re: Ten years of Black Horse, help me to end it please ?

                Originally posted by Susiebling365 View Post
                Hi.... Just had a no nonsense reply " The comments made within the above mentioned letter have been noted, however we have nothing further to add that has not already been detailed in our letter dated 23 january 2014.
                Your account remains with our collections department for collections activity to continue . signed a squiggle "

                What's your advice and opinion on that Priority ?

                also.. can I ask...... If they intend taking me to court (hope not), won t they need all that crap paperwork ie the invoices and letters etc that I am disputing? Do these get passed on when they buy accounts?

                The support from this forum is megga, I feel so much stronger in fighting this messy debt I was forced into. They have had their pound of flesh and still want more.
                Thats what they re doing cos I don t have any more to give !!!


                Do nothing..... It's a stalemate that regularly happens after asking for clarification under CPUTR due to the reluctance of companies to put anything in writing. If they're going to risk court with this though, then they will need to provide that clarification..... so it's a big risk for them.

                The ball is still in their court Susie..... File this one away and see what you get next.
                Last edited by PriorityOne; 11 February 2014, 13:14.
                Remember the mantra:
                NEVER communicate by 'phone.

                Send EVERYTHING by Recorded/Special Delivery
                Keep a copy of EVERYTHING sent
                Keep hold of EVERYTHING received

                PriorityOne & CPUTR 2008 (ex P1 CAG CPUTR 2008)


                I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

                If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

                Comment


                • Re: Ten years of Black Horse, help me to end it please ?

                  Thanks for that, thought you might say something along those lines.... so i ll just wait n see.. like a merry go round ...
                  If you are using a shovel to dig yourself into a hole, a credit card company will be happy to give you a JCB !!

                  Comment


                  • Re: Ten years of Black Horse, help me to end it please ?

                    Originally posted by Susiebling365 View Post
                    Thanks for that, thought you might say something along those lines.... so i ll just wait n see.. like a merry go round ...
                    Unless you go to court, it tends to be..... but I can't see it going that far. Most of them just hope for easy pickings.
                    Remember the mantra:
                    NEVER communicate by 'phone.

                    Send EVERYTHING by Recorded/Special Delivery
                    Keep a copy of EVERYTHING sent
                    Keep hold of EVERYTHING received

                    PriorityOne & CPUTR 2008 (ex P1 CAG CPUTR 2008)


                    I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

                    If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

                    Comment


                    • Re: Ten years of Black Horse, help me to end it please ?

                      ​Just received this note, I rather fancy they have run out of patience or ink. I m going to ignore it I think, but comments would be appreciated because I find it rather strange , if not rude !!
                      Attached Files
                      If you are using a shovel to dig yourself into a hole, a credit card company will be happy to give you a JCB !!

                      Comment


                      • Re: Ten years of Black Horse, help me to end it please ?

                        It does seem rather strange. I wonder if they think you won't recognise where it's come from and you'll phone out of curiosity?
                        Let your smile change the world but don't let the world change your smile


                        I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

                        If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

                        Comment


                        • Re: Ten years of Black Horse, help me to end it please ?

                          Their website is www.mydlc which I know the i is really and l but first glance ... quite and appropriate name I think
                          If you are using a shovel to dig yourself into a hole, a credit card company will be happy to give you a JCB !!

                          Comment


                          • Re: Ten years of Black Horse, help me to end it please ?

                            Originally posted by Susiebling365 View Post
                            Their website is www.mydlc which I know the i is really and l but first glance ... quite and appropriate name I think
                            Very appropriate
                            Let your smile change the world but don't let the world change your smile


                            I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

                            If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

                            Comment


                            • Re: Ten years of Black Horse, help me to end it please ?

                              Surprises me that they'd think you'd even contemplate speaking on the bloody PHONE..... stupid feckers

                              Yep... ignore.
                              Remember the mantra:
                              NEVER communicate by 'phone.

                              Send EVERYTHING by Recorded/Special Delivery
                              Keep a copy of EVERYTHING sent
                              Keep hold of EVERYTHING received

                              PriorityOne & CPUTR 2008 (ex P1 CAG CPUTR 2008)


                              I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

                              If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

                              Comment


                              • Re: Ten years of Black Horse, help me to end it please ?

                                Hi, Went away for few days and received this court letter, What shall I do about it please Priority, ?? This lot do seem more persistent?
                                Attached Files
                                If you are using a shovel to dig yourself into a hole, a credit card company will be happy to give you a JCB !!

                                Comment

                                Working...
                                X