The information is from my own experience. For many months there were charges added to my account whilst the DWP were contributing to my payments. During this time GE money were levying charges to the account. I had been paying these charges for the time they were applied. After reading about charges and making a phone call to the accounts department, it was told to me the charges would cease whilst the DWP were making payments and as long as this was being paid by them & as per guidlines from FSA. Despite many many months of fees added up to this point. No further charges would be applied. No mention of a refund however till January 2014, incidently about the time they were taking me to court for £835.00 of allegged arrears & some months after these were applied. They offered me £480.00 and then £600.00 as a gesture of good will. Again, no mention of the interest they accrued on this, just the amounts of £40.00 admin fee's. I must add, the amounts offered were not accurate either as there was an issue about time limitation of 6 years yet on one letter dates stated came up short by two dates. Their letter dated 17/01/14 that refers to a refund of £650.18 show the date of 03/02/08 inclusive and compare to Alis** Ca**idy first offer of £480.00 & how they come up short by 2 dates 03/12/07 03/01/08 & how the figures differ by £170.00 Note there was no interest mentioned in any of the refunds. If calculated as compound interest over 7 years at 8% the figure repayable would be £1251.40 which far exceeded the alleged amount owed to them as of 20/08/2013. At the time I declined their offers simply because I was told that if I accept I must not talk about the offer to anyone. Also, if I accepted. I would be saying that they are not obliged to pay out but did so and that would be the end of any further claim of any sort. Effectively a gagging clause!

Politetly decline their offer of home visits by any representatives.. This is something they think is useful to do to go through your income/ expenses with you. You do not need to allow them a visit that they will charge you up to £80.00 for and will be useless. Cab can help with your ins and outs. then you can post that to GE if needs be. STOP communication via a telephone unless you have the means to record your conversations. Windows 7 has a voice recorder built in. Go to start button & type in the search box ( voice recorder ) Use that to keep the conversations if you must call them. Remind them that whilst you are in receipt of benefits they must do all they can to assist you with your difficulties, this is their legal obligation. They must not apply charges to your account whilst you are in receipt of SMI payments, doing so would futher your hardship. Look for charges applied on your account from past months. Keep an eye on them. These are what they will take action on. Remind them that they have a duty of care towards you and that constant calls from their legal team are only making the situation worse & that if they wish to communicate with you they should do so either by letter direct or through Stepchange or similar. The best way to deal with idiots who bully people into capitulation is to play their own game. Read as much from the forum as possible. There are others on here that have similar situations. Perhaps it will give you comfort to know you are not alone. Write them a letter explaining your situation. Keep it factual. Contact Step change debt charity. Brilliant people. Get them on side as soon as. I speak from my own experience which is posted elsewhere on this forum and do so without legal background or intervention. Good luck !

I too would like to hear about any progress on this. If anyone has managed to succeed in having a favourable judgement, then do tell. I could use the info in my case maybe.

Further info. Since being railroaded through the court case dated 14 Jan 14 I have received two letters stating that I am in arrears and a figure exceeding £600.00 & if I do not make arangements to clear the debt Court action may follow. I have also received on the 12th of June a letter from A district Judge at Nuneaton the contents are as follows. On the 27th of May 2014 Deputy District Judge Stacey, at the County court of Nuneaton Upon reading a letter from the claimant and upon hearing (ME) in person It is ordered that the orderherin dated 26th February 2014 be amended to include a money Judgement for the outstanding balance of £*****, not arrears as previously stated. END As I am aware I have been taken tou court on the 14th Jan, an order was granted within ten minutes of my being in the room with the judge and no account of my documents was noted and discussed any more than District Judge Severn said," I have noted your documents and taken them into account, the order suspended providing you meet the arranged payments I set out". I took this a s being railroaded. I have been making payments of greater than ordered from last September. I have not missed any payment and continue to do as ordered with ease. Yet GE have gone to court behind my back and had an order granted to claim the £40000,oo left on my mortgage. How is this right? Why can I not get justice? Why in the first place when asked to ratify the allegged arrears did the reply form an account manager come back, " we are issuing court proceedings for the arrears on your account, those arrears are out fees and charges".. Which by the way were initially over a grand and at the time of the court hearing were around £800.00. I have this on CD as a recording and a verbatum transcript of that recording. My counter claim was overlooked on the 14th of January. A re-application to Nuneaton court for an order to collect the entire debt on my mortgage. A redirection of my counter claim to Nuneaton on the behest of GE money A denial of a good claim I present and dismissal request by GE mony to Nuneaton Court. And I suddenly start thinking that Nuneaton County court Judges are not exactly impartial if you get my meaning. I have stated that I wish to transfer my court to Birmingham, yet GE have successfully managed to keep the hearing at Nuneaton. Any Idea how I can move the hearing to an unbiased court? Anyone?

Have included it in my complaint i think. Asked them to refund and told them I would if neccessary take action to reclaim.

I logged a complaint and in it I did ask for my fees and charges back but was refused. So I did a mcol for them. I had no guidance and no replies off here so just went ahead and issued proceedings which they received on the 14th. Since then I have a standard response letter. Twas my understanding that this would at least allert the Judge to an ongoing dispute and he would adjourn till it was resolved. YEH right! some use this thinking was.

Yes the objective was to keep my home I am pleased that has happened. No I am not satisfied that proper justice has been done because now I am subject to paying more than I should to GE & still believe that is unreasonable due to the nature of the dispute. I feel that GE have retained their argument that these arrears are arrears and don't comprise of admin fees etc thuis further justifying ther sidestepping ways to exploit the system. Although I get to keep the house its possibly only a matter of time before they raise an issue and go all out to get the house . If they had a legitimate right to do so because indeed the alleged ammount is soley arrears for none payment then I would understand and not have such an attitude that I am now being cheated. They know the alleged arrears are admin charges & fees and even have admitted this in a telephone conversation but still managed somehow to walk into a court and the Judge rule in their favour. The Judge was not the slightest interested in adressing my issue & I think it was because he though I was not entitled to add my submissions to a case that was cut and dry. After all, if in doing so it would at least or should have given grounds to either defer judgement till after the correct and accruate account details had been declared. Or to have thrown it out based on the admission that the alleged arrears are Admin charges.Some of which I was offerd back £480 plus interest. The nerve those are admin fees I was told they were offering. Actually I did my own calculation of all the admin charges etc & my conclusion was that over £4000.00 was owed to me so they were suing me for fees that are mine. I might add my notes to the judge included a transcript of a phone call in which Mike But** admitted this was indeed the case of them recovering admin charges and fees plus interest and they were taking action to recover Admin charges not arrears on my part, but their definition of arrears is what GE use to convince Judges they have a case. After the ruling I could not get my head around how much of a misscarriage of justice the whole episode was. I left the court in shock. Disbelif and very confused. This was not a fair hearing. I should know I have successfully won a tribunal case for unfair dismissal and although the topic was different the procedure should be somewhat similar. should it not?

GE mcol sent and received by them on the 14th January, but I have sent the wrong type of action.Done in a hurry and without assistance. I should ammend this and need help to do a paper version to the proper place. This needs to be done to ensure I get all my complaint POC details correct and needs to happen soon. Unfortunately because I sent the MCOL version I was unable to include all the right information and some will not be considered when in court. A very good lot of POC details is posted on here by george h I believe and I think I should use this as my basis for claim as it is more detailed.

Sad is an understatement. For me this is now driving my passion to see GE money held accountable for their actions, Time I think that others who have had and are going through similar with GE(edited Enterprises) to look at combining efforts to bring this company to book once and for all. To this end I would like it if others would consider clubbing together to combine our forces and start taking acion. If this means a combined complaint (Class action lawsuit)to the relevant bodies and then drive a court case for a result then so be it. Where do we start? Well let's put the word about to bring togeter individuals past and present that have or are suffering from the actions of this company & look to find some lawfirm that will take this on. To show interest just add to this thread your comment( I'm up for this ) Below.! along with a short bit of info if you know anyone that might help.

I was totally ignored appart from Is there an ability to pay! Well, the court hearing was a farce. I spent five weeks trying to prepare my response to show there was cause to further investigate and present vital information. I received no legal aid because I was told there is none available. I had no choice but to represent my own self. The court Judge was dealing with GE cases before mine. ( None to fortunate characters before me) and when I looked at the Judge he seemed annoyed about that. I had a transcript of a phone call between GE & myself that was vital to show that there is a doubt about the money claimed, this phone call contained admissions that the claimed money owed was Admin costs fees, charges & interest. In my view it cast doubt on what was claimed by GE and would if allowed be justification to at least suspend the hearing untill that was cleared up. I did manage to speak with the court lawyer on the day. She presented very basic & I mean very basic information when asked. On entering I was confident that I would give a reasond argument about this but I knew that the one thing to show was affordability. Sadly I was denied any and all chance to offer any discussion and argument at all. After stating that he had read my transcript of a call, the only refrence I might add to anything from me! The Judge asked if I can afford to pay & how much, then proceeded to declare a ruling that I am to have a suspended possesion order under GE terms only. There was no interest in my side of the story. There was absolutely no desire to allow my explanation into the proceedings. He was only interested in satisfying himself that he had made an order. I would say I felt cheated out of my chance to put my argument but that would be wrong. I wasn't cheated, I was denied. I need not have wasted any time going to court at all. It was a foregone conclusion in the Judges eyes. This in my oppinion was a complete miscarriage of justice. A farce. As I was not allowed any consideration whatsoever! Thank god we have a fair and just judicial system in this country hey? One that railroads innocent and hard pressed individuals to conceed defeat to before allowing a chance to serve a fair judgement.

An update to my plight.. Today GE money phoned. A woman told me she was the seniour complaints manager. I recorded the call for clarity later. During this call I was told that not supprisingly the claim, see letter previous above this post, would not be upheld because they made every effort to contact me about my arrears and I was un helpful. I expected as much return in my favour as asking for a miracle! Turns out though this was an excercise in placating the court. She would now be able to show that they had followed proceedure and looked into my complaint. Other than this it was a pointless excercise as expected. I asked at some point if GE are going to accept my offer of payment of the £250 a month. I was told that it was not within her ability to discuss that and I should talk to the litigation department who would discuss options with me but in her view would still proceed with court because they have filed the action now. Fair enough! So no point in paying the £800.ish to stop court action as it wouldn't anyway! £800 by the way is marked on the account as arrears. Later in the conversation she announced that there was some good news. Well knock me down with a feather! She proceeded to say that she felt that because my payments from DWP were not always on time and beyond my control, and that due to this adding fees to my account of £40.00 a time GE money would as a gesture of good will, remove £400.00 of those charges less and not to include the interest that was added also on those charges and to my account. How nice of them. £400.00od refund.. I refused this. If I had accepted then this is a possible outcome. The could say that they have offered a solution by making a refund of the charges.( thus making me agree that I owed them the money in the first place) Then also,use this as a means to continue to levvy those charges unlawfully because I agreed that they have a right to do so, My advice & I'm not qualified. Is to always refuse a repayment initially, because doing so only works in their favour. No matter how tempted you are to accept because it would presumably help reduce your debt, in the long term it can be held against you. I might add. they have just admitted to you that they are collecting these fees & charges & they know it is wrong to do so. So if you have a letter stating they are willing to refund or better still offer you money off your acount, then politely refuse using the statement "at this time under the circumstances I find myself in, I will refuse your offer & look to other means to settle my dispute". They have to abide by your wishes. Then come back here to see what others are doing about similar matters.

Help needed to make a counter claim for fee's and charges. I am registered with moneyclaim online Can someone please assist with the forms and process please?

The response was vague and slightly dismissive. She never dwelled uipon the topic. Sorry! However, in a more trimmed version of questions to ask you are possibly within your rights to insist they complete checks afterall, you don't know the caller and its your DATA you are protecting isn't it and that my friend is your right to none disclosal....

An update to my plight.. Today GE money phoned. A woman told me she was the seniour complaints manager. I recorded the call for clarity later. During this call I was told that not supprisingly the claim, see letter previous above this post, would not be upheld because they made every effort to contact me about my arrears and I was un helpful. I expected as much return in my favour as asking for a miracle! Turns out though this was an excercise in placating the court. She would now be able to show that they had followed proceedure and looked into my complaint. Other than this it was a pointless excercise as expected. I asked at some point if GE are going to accept my offer of payment of the £250 a month. I was told that it was not within her ability to discuss that and I should talk to the litigation department who would discuss options with me but in her view would still proceed with court because they have filed the action now. Fair enough! So no point in paying the £800.ish to stop court action as it wouldn't anyway! £800 by the way is marked on the account as arrears. Later in the conversation she announced that there was some good news. Well knock me down with a feather! She proceeded to say that she felt that because my payments from DWP were not always on time and beyond my control, and that due to this adding fees to my account of £40.00 a time GE money would as a gesture of good will, remove £400.00 of those charges less and not to include the interest that was added also on those charges and to my account. How nice of them. First they make unlawful demands for fees, then add interest, then tell me I can have £400.00 back. But that would only be fee refund and NOT come off my arrears. WHAT? She's havin a laff !! Considering they claim I owe £832.00 ish & taking this amount off my account would reduce my aleged arrears by half. Consider also that the interest they accrued for holding my money paid to them whilst they cream in £40.00 a time! shows just what this is. A complete ***** [problem]. So, let me get this straight. GE see my difficulty. I make payments best as possible. The want proof of income to set up a payment plan. I negotiate a monthly payment to ensure I am paying what is needed. They insist I pay £290.00 and that will stop action. I agree to pay and have paid on time since September last year. Not only pay their demanded amount but pay £300.00 ON TIME!!! Then they send a letter informing me of court action to commence in the new year. I continue to pay £300.00 ON TIME. Since then I am as I would say far out meeting their demands. They claim no agreement is in place even though I have a letter to say there is; but happily dump my cash in their account. Then on the 30th of Dec. Get a call telling me that they would quite happily accept £832.00 from me to stop my court action. Only for this numpty to say that they (GE) would continue the repo and more likely see suspended possession. Well, Here's my thought. If this seniour dispute manager were to just stop for a moment maybe she would have seen what I did. That is; she just admitted that they owe me fees but not interest. That GE are willing as a good will gesture to refund £400.00 in fees. When I was at school I did some rudementary maths. 832.00 400.00- ---------- 432.00 ---------- Did I get that right? Then why doesn't common sense prevail? If GE have just told me that they have charged me fees & they know that these are not chargeable then offered me a partial refund of those said fees. ( my calculation so far is in the thousand +++ mark ) then would it not make sense to re look at my account, calculate the fees overcharged and then miraculously deduct them from my alleged owed amount which they claim are arrears ONLY. Basic accounting skills and practices as far as I know! Hey, ding a light just went on. pmsl" Instead, they are making me like others; show them up in court... Something I have seen in many web pages ... What I could use help with now is compiling a response to the court which includes informing the court of the action on my account. A pro Bono lawyer is desperately needed, can anyone point me to one please? Showing the fees are just fees. Showing that GE are using the fees to elaborate & justify my account as being in arrears. Getting the judge to dismiss the case completely and make GE cover all the costs including court & legal fees& remove those from my account. Inform the court that I am paying still the £300. Can continue to do so. That GE are being unreasonable and breaching customer relation protocols. That GE are profiteering from my demise. Having my additional fees removed along with interest charged would show the true ballance of my account. Have my account audited. idealy by an indipendant at GE's expense! That would establish the true ballance and additions that would be subject to reclamation. Bring about a class action lawsuit with others who have suffered at the hands of GE Money Home Lending. Remove a confidentiality clause from the outcome of my case to allow others to follow suit. Be compensated, by GE( not the real goal) would be nice! Then advice on how to rid the country of these people! Any ideas people?

During the break I have taken time to read through the paperwork sent. My gosh. Lots of it. Right, here goes. This is what I have found. Two seperate account sheets with my payments and balances on that do not match. When I say don't match I literally mean they have conflicting payment figures & amounts on them. No, I am not getting my hopes up here, but surely if they cannot even give an accurate statement of what is owed then how on earth are they to convince a Judge of my debt?