Usually if the subtitles are in the pair of files .sub + .idx, they are the mostly in the bitmap subpictures format (same as on DVD).
Such bitmap subpictures are then displayed over the video only inside the image rendering area and cannot be displayed outside of it. Because the black bars are not part of the image, these subtitles can't be displayed there.
To watch subtitles over black bars they have to be converted into the plain text using OCR (i.e. SubRip) and BSPlayer will.
BSPeter:
I'm afraid that in the above case there is no filter to help it as well as with the font colours, because the colour palettes are packed inside of subp. stream in the header of each subpicture. :(
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