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

[PriorityOne]

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

Oh FFS!! They're really p*ssing me off now.... Send the letter below to Aplins by rec. delivery....

Dear Sir/Madam,

Your Ref:

With reference to your letter of xx/xx/xx threatening legal action on behalf of your client, please note that I do not acknowledge any debt to your client and suggest that you refer the matter back to them before proceeding any further with this farce.

Your client has already stated, in writing, that they "cannot comment on actions taken prior to acquisition" in response to two direct requests under the Consumer Protection from Unfair Trading Regulations (CPUTR) 2008 for clarification of figures sold to them by Black Horse Finance Limited some time ago. This means that your client; Hillesden Securities, are unable to substantiate any figures that they have "instructed" you to chase because Black Horse Finance themselves have been unable to substantiate any for years, before selling an alleged balance to your client.

I have already pointed out to your client and their agents that this account was clearly disputed before it fell into their hands, is both an unlawful and invalid assignment and that I have no desire to keep on repeating myself, yet here we go again. Only this time, your client seems to have resorted to intimidation tactics through a firm of solicitors instead of through a different set of agents.

Please note therefore, that if you decide to pursue me through the county court for a dubious and unsubstantiated payment on behalf of your clients, regardless of your client's written assertion under CPUTR (2008) that they "cannot comment on actions taken prior to acquisition", then this will be brought before the court as a deliberate and further attempt to mislead and as such, your company will be be held complicit in its actions.

I therefore suggest that you return your "instructions" and start thinking independently before further complaints are lodged with the Office of Fair Trading in relation to CPUTR (2008), as well as the Solicitors' Regulatory Authority.

I await your considered response.

Yours faithfully,

[Susiebling365]

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

Thanks..Priority..and you and me both... I,m getting angry and fed up of their stupidity and greed.. im retired now and have no more to give....this site is a haven....printing and posting right away....

[PriorityOne]

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

Thanks..Priority..and you and me both... I,m getting angry and fed up of their stupidity and greed.. im retired now and have no more to give....this site is a haven....printing and posting right away....

Keep us posted Susie.... and good luck x

[Mehim]

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

Hi P1 and Susie,

wee typo in the letter i think:-

invalid assignment and, I that I have no

Cheers, just slap me if i got it wrong

[PriorityOne]

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

Hi P1 and Susie,

wee typo in the letter i think:-

invalid assignment and, I that I have no

Cheers, just slap me if i got it wrong

Thanks Mehim.... missed that one! Have corrected it now ....

[Susiebling365]

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

got it thanks, brilliant letter once again.....!!

[Susiebling365]

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

Hi, and hope you all having a good Easter time, I was until I got my Easter letter this morning from you know who.... I am attaching it for comment. please.
It seems like they mean to push me to the limit ? Just really re iterating the usual comments .

One thing that bugged me was their comment about the Financial Leasing " We also note that this matter has been addressed by The Financial and Leasing Association. Your claims were not upheld. Due to this we do not feel it necessary to comment further " This case was not as they say ... they could not deal with it due to it not being in their remit, or jurisdiction ..( I don t know the legal wording). In fact the guy rang me at work and advised me to seek out a solicitor or similar. but of course that was n' t recorded.

This matter I know is over ten years old and I kept paying it because I thought it was the right thing to do, and yes I was naive and worried if I did n't. But my partner of now, looked at it when I retired and pointed out lots of things I had not noticed and ignored. Its very complex but I realise now the meaning of "shafted", In fairness ( excuse me while I vomit), to BH, they are not only to blame, something went on between my ex and the sales people.

I do not have the money to keep paying like I did when I worked, and I really don t see that I should when they have not explained to my satisfaction how the agreement was made. A caravan and car was taken in part exchange with some equity on them , and a thousand pound deposit. They were sold without any signature from me or agreement. The list is endless of the questions I still have. I did try over the ten years, with solicitors , CAB, the ombudsmen, but came up against brick walls and the only answer ... you signed ...

This is the only place I have found comfort in the feeling that I am right about my questions, and that I have more than paid a debt I was "coerced" into signing for. ...So it may only be £5k but its better in my pocket than theirs and as sick as it makes me feel, I will not back down now.

Sorry I had to get that out as I feel you have enough work on here, but this has really depressed me over the years.

Thanks Susiebling

[Deepie]

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

I deleted the above letter you left the ref no on .....

[Susiebling365]

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

Thanks and sorry,, did nt realise about ref number.

[PriorityOne]

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

Well, it's nice to know that Aplins sent it back Susie.... .... but it seems we are now playing letter ping-pong but that's ok.... we can do letter ping-pong until Hell freezes over if that's what it takes.... I have drafted off a reply to DLC to be sent by rec. delivery. A copy must go to Aplins by rec. delivery as well.


Dear DLC,

Your Ref:

I refer to your letter dated xx/xx/xx; the content of which is incredulous at best.

Firstly, the account in question was unlawfully assigned to your client due to a dubious balance alleged to be owed and other anomalies; not because of outstanding complaints made to your client’s client. This has been pointed out to you numerous times but is still being ignored despite assertions made by your client that they "cannot comment on actions taken prior to acquisition".

Black Horse Finance did indeed issue responses to both complaints but failed to provide any cogent explanations for the financial discrepancies and anomalies in their records and instead, decided to sell the account to your client rather than address those concerns properly or, pursue the matter through the courts themselves. This may be why your client "cannot comment on actions taken prior to acquisition".

I am aware that banks/financial companies sell accounts to debt collectors and this seems to be an option when they cannot, or are reluctant to, provide written answers to direct questions; particularly when those questions fall under the Consumer Protection from Unfair Trading Regulations (CPUTR) 2008..... which your company, your client, your client’s clients and your agents (Aplins) have it seems continually tried to avoid other than your client stating an inability to "comment on actions taken prior to acquisition".

As you have pointed out, various copy documentation has also been forwarded to me but as the figures within those documents remain unsubstantiated by your company, your client and/or your client’s client, the “correlation” you mention appears to exist in your head. To date, no-one within the plethora of clients and agents who have pursued me for money have been able to substantiate anything and presumably, this was the reason behind the sale of this account to your client in the first place and their subsequent inability to "comment on actions taken prior to acquisition".. Such copy documentation is therefore meaningless.

You have also mentioned that the matter was addressed by the Finance and Leasing Association but your source of information is incorrect here as well. The matter was indeed referred to the FLA but because it was found to be out of their remit, they were unable to deal with it. This meant that the matter was not in fact addressed by the FLA at all.

I believe it is important at this point to keep your agents; Aplins, fully informed of the issues surrounding this matter and have therefore copied them into this letter. If they decide to accept your “instructions” in light of my previous correspondence and this letter, then I have every intention of fully defending that claim. Formal complaints will also be lodged with the Office of Fair Trading and the Solicitors’ Regulatory Authority as already stated and without any further notice.

For the avoidance of any doubt, please note that I still do not acknowledge any debt to your company, your client, your client's client or to any agent that any one of your clients may decide to add to the plethora of clients and agents that have already become involved with it.

Yours faithfully,

[Susiebling365]

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

Thanks P1.... that will be off to them ASAP... you have such a way with words ....It is one big Ping Pong. I wonder who I am dealing with at times..They really played into your pen saying they cannot comment on what went on before ! ...Its really an education on here

[MrsD]

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

fantastic letter P1

go Susie!!

[PriorityOne]

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

Just spotted a couple of typo mistakes in there Susie.... but they've been edited now, so it's all good to go to both parties now.

[Susiebling365]

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

Phew !! Not been able to get on here.

I received this statement the other day , not sure what it means if anything. No letter or anything with it , So ???





Not sure why the statement does n t open, but thats just what it is .... a statement of what I owe from Hillesden.??

[PriorityOne]

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

Nothing else? No explanation? Ignore it.....