Reid vs Purpleloans / Ge Money

[reidnet]

Hi,
Just posting my Statement of claim regarding Mis sold PPI from Purpleloans / Ge Money on a Firstplus loan.

Would be glad of any comments , advise from other here..

Removed this One and posted ammended Statement after GE fined by FSA.. And to save some space here..lol

Ian

[Bicester1]

Hi

Nice one!

Interestingly the Misrepresentation Act allows for criminal sanctions [ prosecution under the Theft Act] where fraudulent misrepresentation can be shown. I think it might be argued that the mis selling has been fraudulent! I appreciate though that negligent mis selling might be more useful as it reverses the burden of proof. I like the HR element too!

All in all I would say an excellent statement of claim - have you had any response yet? Do keep us all informed.

Let us know how you get on!

Bicester1

[reidnet]

Hi Bicester1,
I have not submitted the above claim as yet, I have to use the nglish court system for this one as I want it to go through the small claims track for obvious reasons. Being in Scotland does have its downfalls..lol

I am just waiting for the outcome to the Information Commissioners Office's Investigation regarding their failure under the Data Protection Act, I have had confirmation that the case is being dealt with my a senior case worker and can expect the outcome within the next 14 days or so.
Once I have this I will be submitting the claim to court, I just thought the more evidence etc that I have showing that I have been reasonable and tried to settle this without court may in the end help. Of course with them not responding to an nvestigation by their own FISA does not look good for them either.

Lets hope the judge sees from the claim what type of Company Ge Money / Purpleloans are and their total lack of respect for Authority etc.

Ian

[Bicester1]

Hi

Well the very best of luck. Like you I am constantly amazed at the arrogance of the banks. " We don't accept the OFTs conclusions etc etc..."

It would be nice if one could make a case of Fraudulent Misrepresentation stick and then ask the CPS to investigate with a view to prosecution under the Theft Act, still I've just seen those pigs go past the window again!

Best wishes

Bicester1

[reidnet]

REMOVED .. Yet another modified Statement of claim compiled over the weekend...

[reidnet]

Sent a Final Offer to GE before court.. Being Faxed to them Thursday Morning First Thing, I thought I would give them a final chance to settle since the FSA fined them £610,000.00...

[stan5131]

Reid. Great letter and I am watching this with interest. Do you think it is a good idea to send them a link to this website? Its just that you are going to give them the opportunity of knowing what is about to come. I know that their monitoring of this site is generally unwelcomed.

Good luck anyway mate x

	Are you letting your bank keep your money Are you giving away thousands of pounds?? Many people aren't claiming all of the money they are entitled to when they make their bank charges claims. You have been forced to pay unfair bank charges. Have you forgotten that your bank has charged you inteest on those charges? If you are overdrawn and the bank owes you charges - then your overdraft is made up of charges - money which you bank owes you. Yet you are paying interest to the bank - on your own money!!! Follow this link to see the discussions on this. You might even double th size of your claim.

[reidnet]

Originally Posted by stan5131

Reid. Great letter and I am watching this with interest. Do you think it is a good idea to send them a link to this website? Its just that you are going to give them the opportunity of knowing what is about to come. I know that their monitoring of this site is generally unwelcomed.

Good luck anyway mate x

Can easilly remove the link as letter being faxed today.. Im sure they know of this site already.. And there are regs for signing up..

Ian

	Are you letting your bank keep your money Are you giving away thousands of pounds?? Many people aren't claiming all of the money they are entitled to when they make their bank charges claims. You have been forced to pay unfair bank charges. Have you forgotten that your bank has charged you inteest on those charges? If you are overdrawn and the bank owes you charges - then your overdraft is made up of charges - money which you bank owes you. Yet you are paying interest to the bank - on your own money!!! Follow this link to see the discussions on this. You might even double th size of your claim.

[stan5131]

Normally, they dont sign up, but just browse through the threads. I just think you are better armed if they dont know your moves in advance. They may be already monitoring the site, you never know. If they are not, then I just think its better if they dont know about it. Not so much for you, as you know exactly what you are doing. However, there are others on this site less articulate.

Anyway, you POC is awesome. I cant wait to see the outcome lol

[reidnet]

Well got no response from GE Money , which does not surprise me one little bit.. I have compiled an even better statement of claim over the weekend, and I have today submitted it to Wolverhampton Combined Court.

Ive had enough of them taking the mick.. So Blue touchpaper has now well and truley been lit.. Lets hope its not a damp squib as they say..lol

Ian

[reidnet]

Well, Have had it confirmed today from GE Money and a Press Contact that the Summons has well and truly arrived at GE Money.. so sit back and wait and see what they respond with.

And will be interested to see if GE made any comment to the Press for the story that is being run in tomorrows paper..

Ian

[Bicester1]

Ian

Keep us all informed, I wonder how hard they will fight?

Bicester1

MBNA WON £623
GM Card Won £580
Barclaycard LBA
Nat West Bank offer received negociating
Nat West CC offer received negociating
Lloyds PPI prelim

Any advice is given informally. I am not a lawyer. Consult a trained professional if unsure of your legal position. If my advice is helpful please tip my scales!

	Small Claims kit by Lawpack Sue your bank as many times as you like with just one Small Claims kit by Lawpack. Follow this link to read the review. The kit contains everything you need: instruction manual, templates, examples, forms and a comprehensive CDRom. Applies to England and Wales

[reidnet]

Well they at least replied to my letter rather smartish this time..

Fingers , Legs and eyes crossed now..lol

[Bicester1]

Good on you m8 keep it up!

Bicester1

MBNA WON £623
GM Card Won £580
Barclaycard LBA
Nat West Bank offer received negociating
Nat West CC offer received negociating
Lloyds PPI prelim

Any advice is given informally. I am not a lawyer. Consult a trained professional if unsure of your legal position. If my advice is helpful please tip my scales!

	Small Claims kit by Lawpack Sue your bank as many times as you like with just one Small Claims kit by Lawpack. Follow this link to read the review. The kit contains everything you need: instruction manual, templates, examples, forms and a comprehensive CDRom. Applies to England and Wales

[reidnet]

Final Statement of Claim has been removed temporarly..

Ian

[stan5131]

Wow. This is very impressive.

Just one question. How come you are not claiming back the interest? Just clicked your scales for that one mate.

	Are you letting your bank keep your money Are you giving away thousands of pounds?? Many people aren't claiming all of the money they are entitled to when they make their bank charges claims. You have been forced to pay unfair bank charges. Have you forgotten that your bank has charged you inteest on those charges? If you are overdrawn and the bank owes you charges - then your overdraft is made up of charges - money which you bank owes you. Yet you are paying interest to the bank - on your own money!!! Follow this link to see the discussions on this. You might even double th size of your claim.

[reidnet]

Hi Stan,
I have included Interest at the contractual rate, and also Judicial Interest at 8% APR.. It is in there..alond with Court fees etc.

Ian

	Are you letting your bank keep your money Are you giving away thousands of pounds?? Many people aren't claiming all of the money they are entitled to when they make their bank charges claims. You have been forced to pay unfair bank charges. Have you forgotten that your bank has charged you inteest on those charges? If you are overdrawn and the bank owes you charges - then your overdraft is made up of charges - money which you bank owes you. Yet you are paying interest to the bank - on your own money!!! Follow this link to see the discussions on this. You might even double th size of your claim.

[bach]

Hi Reidnet,
You ve been a very busy little bee, great stuff, fasinating thread.
Like to know where you get your strengh from.


I heard that G E have a term is their secured loans contract allowing them to claim back their legal costs from you, can you shead any light on this at all ???

Many thanks for paving the way

Regards Lynn

[reidnet]

Originally Posted by bach

Hi Reidnet,
You ve been a very busy little bee, great stuff, fasinating thread.
Like to know where you get your strengh from.


I heard that G E have a term is their secured loans contract allowing them to claim back their legal costs from you, can you shead any light on this at all ???

Many thanks for paving the way

Regards Lynn

I would advise that you check their terms and conditions in great detail before starting a claim, if they do have such a clause I would tread carefully at the momment. My claim is slightly different in a way, Though my loan was arranged by GE / Purpleloans the actual loan agreement was with FIRSTPLUS. This has since been settled in full withy Firstplus, at the time GE/ Purpleloans were acting as brokers for Firstplus.

If you have a copy of their full terms and conditions I would be very interested in seing them.

Ian

[bach]

I affraid I have'nt got the aggrement with me as I work away from home and not back till lateish Friday evening

I will scan a copy over asap Saturday would be great to have your opinion and re asurrance.

Thanks Lynn