hi, sorry for long delay updating , I didn't get as far as going to court with them but got positive outcome in the end thanks to cag. first letter off them this year 17-4-2015 saying my account balance is now £5192.09 with a list of all the charges and it would be in my best interest to set up payment plan as soon as possible ,few days later at work accidently answered my phone on a private no and it was ge not been doing much at work that day thought I let them have their say, went through the security check like they do , said I was very difficult to contact and checked if my numbers were the same, I explained my home no has changed and is now private as your company harassed me with calls over the last few years and you can Easily contact me by letter, said they are sorry I felt that way but if I didn't set up payment plan today they would have to proceed with court action which would add another £700 pound or more to my account, can I arrange that for you today mr ------- in a very official voice must thought they put the frightners on me. I explained I would not be making any payments or payment plan as they are on the charges they have added to my account and I think it would be in my best interest to take them to court as it would be only few hundred quid at most also reminded them that the call was recorded and please could they contact me by letter only in future ,they just don't listen said ok but if I change my mind don't hesitate to call them back another few days passes 23-04-2015 only six days since last letter gets another one thought what now quoting why we are writing to you, we are writing to let you know that we have closed your account as a result we will no longer be pursing any outstanding balance relating to account no -------- , we have instructed our solicitors to remove the legal charge registered against your property and update your credit file. I have been waiting on my credit file to update for peace mind and it has done now showing account closed amount owing 0 default removed result at last thanks to everyone that helped me on here with information I may not got anything off them but could have ended up paying them another 10 gran with the int they charge . I have enough courage now to chase a few more that owe me some money advantage gold my main mortgage finished last year worth a look at not ge thankfully . joe

hello dave and welcome to cag, i see we are in much same position,seems like court action is the only option with ge . in my claim i included all the charges you have mentioned and debt counselling if they have added any of them. im sure some of the more experienced ones will come along soon with some advice . just out of interest have you paid the charges or have they added them to your account. this is the link for spread sheets i have taken from my posts . http://www.consumeractiongroup.co.uk/forum/showthread.php?330996-Latest-Spreadsheets-PPI-Claims-and-Charges-Claims-Dec-2011 good luck with your claim , i will update when i get any joy with my court claim joe

thanks dx i signed up to experian free month, had fed days for pin no trough post to sign in. ge money is showing on their records saying 6 months behind with payment, strange as the last payment i made was the final payment on the loan march 2013. then they added all the charges still adding between 30 to 50 pound a month. do my best to get poc sorted this weekend thanks again joe

hi, for some strange reason my ge account is not on my noddle account anymore , it was there all the time before, cant say when it was removed as it been few months since i checked it last, could it be anything to do with them sending me default few months ago. think i will check with another credit check company anyone know another free one, is it right that some give month free trial. still working on my poc, just cant seem to find time at moment with work, joe

hi all still at it here,just need some advise on poc template seem to be few different ones around some really long ones with loads of points that might not not apply to my claim,is it best to keep it as short as possible with all details of my claim. have got n1 and will be making claim trough my local court,but open to suggestions ,thanks joe:???:

got this replay to my letter before action today,14 days were up yesterday. dear mr me thank you for your letter dated 25 sep 2014 about the fees charged to your account. having looked at your case, i can see we advised in our letter 5 sep 2014 that we would be happy to consider your case further if you provide us with new evidence. based on your most recent communication, i am unable to identify any new information or evidence that has not previously been taken into account during our investigation. therefore we will not be re-considering our previous decision . as explained in our final response letter,your complaint has been closed. while i appreciate you may disagree with the outcome of our investigation, we are no longer in a position to communicate further regarding the matter. as our internal complaint process has been exhausted you may now refer your complaint to the financial ombudsman service (fos) please note,the fos provides consumers with six months to refer a complaint to their service once a finale response has been provided by a business. our records show your six months expires on 6 march 2015. the resolutions department are unable to investigate your concerns further and therefore , you must refer any queries regarding your account to the collections department , as they are currently managing your account. please contact them on 08002948940 or alternatively write to them at the address shown above. please note ,any further correspondence that does not include any new information ,received in relation to xxxxxx will be added to your account record however we will not provide a response. does ge not get it letter before court action, see where we go from here joe

not got any replay from ge yet by letter as expected, got to give them till end of this week before i can start court proceedings. may need bit more advice here and there with the court job. thanks to c.a.g. i got this far nothing to lose and if it goes my way could be big gain, not bothered about bit court costs. joe

had call from ge today asking if i was willing to make debit card payment and set up payment plan. i said as my account was in dispute i do not wish to discuss it over the phone and could you contact me by letter only , i also told them i just sent letter before action, he asked when i sent it and i said yesterday, then he said sorry it has only come up on our records now as we have just received it today. we will not contact you again in next 14 days but int is still getting added to your account. seems bit of a coincidence sending letter yesterday and them calling today, i pretty sure they do their homework and was aware of letter. i usually ignore their calls but they got me with different no today, at least its evidence they got my letter as all my calls are recorded. just got to keep at them if need be let court decide, i believe in paying my debts but not getting ripped off paid ge just short 22 grand on a 10 grand loan and they still want nearly 5 grand joe

hi all, letter before action posted today, see if they respond over next 14 days if not i must make sure to get ready with my court proceedings. will keep updated joe

just a thought, i use the noodle free one, seems up to date with my payments but give me poor credit score compared to some other ones.

anyone get chance to look at this letter yet regards joe

hi all,any advice on my letter before action,not posted it yet see what advice i get first

:?:any suggestions on letter before action please

hi,pejparto sorry only noticed your post now bit limited time to come on here during week with work. i hope all goes well with your hearing in court, i think from the information i have read on cag the court will be only interested in your possession and would not be interested in any thing you say about other ge clients ,ge are cunning with their charges they add them to your your loan and charge int on them . when my loan finished march 2013 after i paid last payment sent me letter saying over 4 grand in charges outstanding . if only you could could got on here bit more time before court there is lot clever people on here who would given you good advice in how to deal with the matter. dont think you should have problem if you you can prove to the judge you are willing to pay off the arrears at a reasonable amount. after that get back on here and get after them for your charges back good luck joe

hi all got replay off ge today as i expected they are not budging saying fees have been correctly applied to your account. looks like its time for letter before action is it the same letter i sent to claim back charges with a l.b.a heading from reading a lot on cag court seems to be the best option financial ombudsman service seems to take for ever with not much outcome thats probly why ge sent me a fos leaflet . will leave my l.b.a till weekend so i can read some more on here all advice always always welcome from all caggers regards joe