Black Horse car loan; Abbey mortgage fees; missing cash machine money

If you think you are a victim of financial mismanagement, or want advice before investing, write to Tony Hetherington, Financial Mail, 2 Derry Street, London W8 5TS. Sorry, but he cannot give personal replies. S. D. writes: I need help with something that is making life a misery for me and my mother. She stood as guarantor for me on a Black Horse car loan arranged through the DC Cook Car Supermarket in Manchester.

The car was 4,990 but the man who got me the finance told Black Horse that it was more, leaving us with a debt of about 9,000. We did not know he had done this until we were asked to go to the police station, where we were told he had taken 4,000. He is now in prison but Black Horse says I am liable for the whole loan and I have to repay it. What a horror story. And you and your mother were not the only victims.

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