PPI claim with black horse

[run3km]

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]

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]

Welcome to the site-will move your thread.

[alanalana]

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

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[alanalana]

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

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