The second set of red words only apply where you have PPI or other insurance included in the loan. By the looks of things that part of your statements is compliant and there's no breach, sorry.
Not to say there may not be other errors elsewhere, but the key elements have definitely been covered. Next thing to check would be the dates these were issued to you as that's led to payment being made in some instances.I know it's not considered "kind" to say no these days, but no. Just no, ok? And if it's not ok, still no.
2nd Dec 2014 10:34 pm
dantheman
Member Since: 12 Mar 2010
Location: Essex
Posts: 1739
2nd Dec 2014 10:39 pm
markwirral
Member Since: 10 Dec 2013
Location: Wirral
Posts: 266
Chaps,
it appears this affects other finance companies to.... part from my beloved D3 I have a Seat Leon FR, I bought it on finance in May 12, I got the very same letter on Saturday, the cash was in my account on Monday, happy days, not a huge amount , but better in my bank than VW's !!
Mark
2nd Dec 2014 11:50 pm
pacsixty
Member Since: 02 Nov 2014
Location: leeds
Posts: 81
agh letter back from black horse...that according to my letter to them they were of the understanding i was complaining about being sold PPI on the loan.....never mentioned PPI...Another letter needed with a little more direction i feel........help Nodo$h..please
Hysterical! Although nothing surprises me in this game.
As long as you are confident your statements failed to comply with section 77 as above, write back explaining what part of the statement has been missed and request a refund of the interest paid during the period covered by the offending statement.
The second red section is only relevant where you had ppi so don't go using that bit!I know it's not considered "kind" to say no these days, but no. Just no, ok? And if it's not ok, still no.
5th Dec 2014 1:02 am
pacsixty
Member Since: 02 Nov 2014
Location: leeds
Posts: 81
cheers for that will have another go........
5th Dec 2014 10:04 pm
pacsixty
Member Since: 02 Nov 2014
Location: leeds
Posts: 81
letter sent....update as and when ......everything crossed..
Good luck, and keep us informed I know it's not considered "kind" to say no these days, but no. Just no, ok? And if it's not ok, still no.
11th Dec 2014 9:21 pm
SN
Member Since: 03 Jan 2006
Location: Romiley
Posts: 13710
Nice apologetic letter through the door from Black Horse Finance this morning with the promise of a cheque for a four figure amount in the post in 7-10 working days
And it highlights the specific paragraph they missed (Al's blue text) too - so I would absolutely recommend ANYONE who took Black Horse Finance (the LR standard I think) especially in 2009 to go dig out their annual statements and see whether there's a potential surprise Christmas present on the horizon!
(I'm going back to check the finance details on my old MY06 Disco now to see if there is any angle there too - can anyone say if there is a time limit on this?Steve N | 21MY Defender | 08MY Discovery 3 (history) | 06MY Discovery 3 (ancient history)
And a big thank you for the donation to my Help for Heroes "Team Goat Riders" pot Steve, very much appreciated I know it's not considered "kind" to say no these days, but no. Just no, ok? And if it's not ok, still no.
13th Dec 2014 7:23 pm
SN
Member Since: 03 Jan 2006
Location: Romiley
Posts: 13710
OK so I've finally worked out that my previous D3 was bought (period 2006-2009) through Land Rover Financial Services which under the hood is actually Ford Credit Europe (FCEBank) - I'm about to send a speculative letter to them too, but I wondered whether anyone has had any success (or rejections) from these people?Steve N | 21MY Defender | 08MY Discovery 3 (history) | 06MY Discovery 3 (ancient history)
17th Dec 2014 12:15 pm
pacsixty
Member Since: 02 Nov 2014
Location: leeds
Posts: 81
BH Finance now requesting a send them £1...... for the information i require WTF !!!!!!!
25th Jan 2015 7:24 pm
SN
Member Since: 03 Jan 2006
Location: Romiley
Posts: 13710
yep - its a good investment though! Steve N | 21MY Defender | 08MY Discovery 3 (history) | 06MY Discovery 3 (ancient history)
25th Jan 2015 8:55 pm
Kummu24
Member Since: 16 Feb 2013
Location: Ayrshire
Posts: 384
SN wrote:
OK so I've finally worked out that my previous D3 was bought (period 2006-2009) through Land Rover Financial Services which under the hood is actually Ford Credit Europe (FCEBank) - I'm about to send a speculative letter to them too, but I wondered whether anyone has had any success (or rejections) from these people?
Hi SN
Did you get any reply from them on this yet?
Cheers
25th Jan 2015 10:51 pm
dubbs
Member Since: 18 Apr 2012
Location: Gloucestershire
Posts: 3626
Without prompting - as I never did get off my butt and sort it out... BH Finance have sent me a letter regarding my agreement. They are sending a refund but direct to my account - no suggestion of it being "an offer" or "accepting settlement"... just purely we can't keep the interest as we failed, here's the money.
I wonder whose responsibility it was at the time and how long they've been on jobseeker's since...MY15 DIY Black Pack (Better than factory and half the price!)
Prospeed rock/tree sliders w/steps
HSE Winter wheels
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Travall Cargo Guard
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