GE Money x 2 !! - Page 2

Dougal16T · 10th November 2009, 10:40

Good morning,

Thanks for the compliment - I'm no star- just keen to helkp.

I would apply the 8% now, and remember you can always apply to the Court for leave to amend the claim, and alter the interest autolinker.com autolinking image

rate to contractural interest (i.e.: 19.5% - the rate the bank are probably charging you), if neccessary!

Best wishes

Dougal

delicarik123 · 10th November 2009, 16:36

Thank you again Dougal for your reply.

So I add the amount £XXX then put plus 8% interest autolinker.com autolinking image

£xxx and then the total £xxxx?

Thanks

Deli

Dougal16T · 10th November 2009, 18:40

Good evening all,

My fault -

- it doesn't work exactly like that - somewhere on this site is a bank charges autolinker.com autolinking image

interest

calculator. If you can't find it let me know.

You enter the date the charge was made, the amount of the charge and the calculator works out how much the interest is, for the period starting when the charge was applied tup o date.

It is very easy and you will be surprised at the interest. The calculations are made at the current county court autolinker.com autolinking image

rate of 8%. You can always amend particulars of claim later if you are going to go for Contractural Interest.

Again apologies

Best wishes

Dougal

delicarik123 · 10th November 2009, 19:04

Yeah I have the calculator thanks, I think I may have confused you in my question lol sorry! I confuse myself half of the time.

So I have filled this in, and it has calculated the interest autolinker.com autolinking image

, what i am asking is do i then add this figure to the letter? Sorry if i am not being clear having a bad time of it at the mo!

Thanks for all your help

Deli

Dougal16T · 10th November 2009, 19:10

Good evening,

The simple answer (which suits my tiny

brain!!) is to print off the form which has been completed with the charges/dates/interest autolinker.com autolinking image

and send a copy of it to anyone who needs it!!

Hope this helps!!

Best wishes

Dougal

delicarik123 · 10th November 2009, 19:39

Good Evening Dougal, I think you will find it is I that has the tiny brain

I am not thinking very straight at the mo, so apologies for seeming so very stupid, I promise I am not always like this (I think

)

You have been a great help - thanks

Deli

delicarik123 · 12th November 2009, 21:03

OK Part 2 lol

Received more documentation from them today...! my files must be enormous at GE! anyway I have some printouts from them, now these are going to take me a while to go through them. I thought that when i took out the secured loan that we hadn't taken PPI, but it looks like it was and is added to the loan...to the princely sum on over 5700

so i am also paying interest autolinker.com autolinking image

on this. I really can't remember asking for this as I more often than not stipulate that I get paid for being off sick and therefore i dont see the need. How do i know if i agreed to this? Also, The loan term is 156 months, but the insurance expires on 23.1.12??? erm doesnt sound right to me?

Any suggestions as to what i am looking for with this would be greatly appreciated.

Deli x

delicarik123 · 14th November 2009, 21:35

bump

delicarik123 · 3rd December 2009, 20:44

Has anyone looked at the above and can help at all?

Also, had 2 calls from them today over the same account, now he has just told me that the letters that they are sending out today carry a £25 charge per person on the account! So me and hubby, £50 for them to tell me i am in arrears that i know about and have an arrangement in place for? also they tell me that i am on verge of litigation where they will send our files to their solicitors? what the?
They actually broke an arrangement a couple of months back not me! When i complained they phoned me and asked would i accept £50 compensation that I have to date not received. These are pure muppets! grrrrrrrrrrrrrr

jetli · 9th December 2009, 11:54

Sorry New here can someone please tell me how to start a new thread as have LOADS to ask!

delicarik123 · 9th December 2009, 14:40

hi jetli,

Go to the previous page to this, where you clicked to get into my post and click on New Thread which is at the top. Hope this helps.

Deli x

delicarik123 · 19th December 2009, 14:47

Hi there,

Can anyone advise me?
I am a bit confused after the recent rulings etc.

I wrote to my mortgage company on 23rd November asking for my charges back. Gave them the 14 days but I have had no reply at all.

Am I now sending a letter before action autolinker.com autolinking image

? Can this still go ahead?

Any help would be appreciated.

x

angel2010 · 28th December 2009, 20:58

Did you get anything sorted with GE Money??

delicarik123 · 29th December 2009, 11:02

Not as yet as I was not sure whether I should still be sending them the letter before action autolinker.com autolinking image

?

Need to have a look into it today.

delicarik123 · 10th January 2010, 16:42

I have written the lba autolinker.com autolinking image

now ready to send tomorrow - hope this is still ok to go ahead with?

not so goldengirl · 9th February 2010, 21:43

any outcome on this then?

angel2010 · 9th February 2010, 21:51

Yes would be get to an update, I am having loads of problems with them!

delicarik123 · 9th February 2010, 22:30

I was about to update this.

Got a letter from them enclosing a copy of a letter they said they sent to me back in December but i never received.

They have just said that they deem their charges to be fair basically, so i need some advice as to where i stand now and what is my next move. Can anyone help?

Dougal16T · 10th February 2010, 09:27

Quote:

Originally Posted by delicarik123

I was about to update this.

Got a letter from them enclosing a copy of a letter they said they sent to me back in December but i never received.

They have just said that they deem their charges to be fair basically, so i need some advice as to where i stand now and what is my next move. Can anyone help?

Good morning

I suggest that you write to them quoting the punishment given to GMAC buy the FSA - it works wonders...! If you Google GMAC it may surprise you...!!

I suggest also that you say something along the lines of ...'I am concious of the ruling in the recent decision made by the FSA against GMAC, and in the light of this would like to open a dialogue with you concerning the charges applied to my account.'...

Then I suggest the closing line should be...'in the event that you feel unable to respond in a positive vein, I reserve the right to refer this matter together with details of other claimants in an identical position to the FSA without further notice.'....

Finally....' I look forward to hearing from you within 28 days of the date of this letter.,'

Send by 1st class recorded delivery, (or if you feel a bit flush..Next day Special delivery..!!), sit back and wait....

I can guarantee that you will hear from their solicitors that bunch of wa*kers 'Eversheds'. Be very wary of them, they are a very crafty bunch - but they are easily overcome!!

Best wishes to all as usual

Dougal

delicarik123 · 10th February 2010, 18:16

Cheers Dougal, I will do just that many many thanks

Deli x

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