If you have cancelled your direct debit, please reinstate it before your monthly payments can resume. You can do this by logging into your online account* and choosing “Update bank details”. You must then enter your bank code and account number. You must collect your direct debit at least 8 working days before the due date of your next payment. If it`s too late to reset your direct debit when you restart your payments, you can make a debit card payment using the “Make Payment” option in your online account. If you are not sure if you have cancelled your direct debit, you can check if it is still active in your bank. You should be able to find this information in your bank`s online or mobile banking app. If not, you will need to call your bank. If in most cases you need to request a payment deferral, you can now apply online to defer your payments for the next 3 months. To edit a request to change the payment date, you must log in to your account on the Black Horse www.blackhorse.co.uk with your date of birth, postal code and contract number.
You can find your contract number on any Black Horse match or it will be the reference of your direct debit on your account statement. Until you consult with each other, the code of conduct, of which Black Horse Finance is a part, means they should give you time to explore your debt management options. Of course they can`t if you don`t tell them what you`re doing. You can call the company at the Black Horse Finance number: See the website or contact it through its website: www.blackhorse.co.uk/ Whatever action you take, doing nothing should be an option. Ignored debts will not go away and they will get worse. Leave unanswered letters or unanswered calls long enough and you risk Black Horse Finance taking further action against you. For those who request payment holidays, you have the right to do so via our self-service channel via the www.blackhorse.co.uk website or by contacting our customer service on 0344 8248888. A lease agreement allows you to spread the cost of your vehicle over a fixed period of time. Black Horse will purchase the vehicle on your behalf. Once you have made a first deposit, the balance, plus interest, is repaid over an agreed period. He came to see a nice lady who tried to help me with a few payments that I had missed because I was fired.
My phone died during the conversation, and when I called back, I went to Ross`s house. He wasn`t like the first lady and he talked like he couldn`t be harassed with me. I told him that I wanted to pay these two installments (especially since they are the last ones that remained on my agreement), but I should divide them and pay them little by little until the end of the year, if things return to normal for me. I could pay the rest at the same time. But he wasn`t at all interested in helping me, only robotically and as if I wasn`t a real person with a problem at the end of the phone. Explaining to someone that you can`t afford to pay all your bills and put food on the table is pretty harsh and embarrassing without being approached with such contempt. People like Ross really shouldn`t be in customer service roles, especially at a time like this, when so many people are struggling with their finances. A little care and compassion is a long way. You never know what someone is going through behind closed doors.
If you do not have the means to afford it after checking if you are obliged to pay the debt, you have a number of possibilities: you will find frequently asked questions on the Black Horse website that are regularly updated, please check these questions www.blackhorse.co.uk if you have any questions or if you can call us on 0344 8248888, so we can discuss other options to help you. You will find your contract number in your welcome letter/email, directly on the date or in any other message we have sent….