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hi to you all,
this will take some sorting out.
i still have the mortgage with ge but what the heck!!
breif outline: they have taken me to court a couple of times, applied loads of charges over the last 20 years, cashed my endownment policy without my signature in 1997.
the balance outstanding is £2000 different to what they want to remortgage and now they have found a " floating " account , which is mine and is in arrears.they cant give me exact details for some reason.
i am waiting for all the information on this and i have spoken to ge about the policy and they said asit was tied to the mortgage they have the right to cash the policy in without my say so
i think this is going to be interesting.
i am waiting for all the information on this and i have spoken to ge about the policy and they said asit was tied to the mortgage they have the right to cash the policy in without my say so
i think this is going to be interesting.
I think you might be right, cant wait to hear what they say about it.
Brecken xxxxxxxxxxxxxxxxx
had a reply today to my S.A.R - (Subject access request) to ge money.
i am amazed !!!
they will supply me statements free of charge if i want a full Subject access request and could i let them know ?
im confused , i thought i had asked for that already.
A lot of the SARs say
Alternatively, a full set of statements will be acceptable, or words to that effect.
Maybe they are refering to that.
.
I Wish you everything you wish yourself.
.
NatWest Claimed £1,639. Accepted £1,344.
Natwest Paid me again as GOGW £1,656. Yes they can have it back if they say please.
Barclays 1 Claimed £1,260. Won by default. Paid in full
Barclays 2 Claimed £2,378. Won by default. Paid in full
Birmingham Midshires. Claimed £2,122. Accepted £2,075.
hi everyone,
had a response today at last, asking if i can confirm by return if i require a full SAR and they will supply in the timescales if required.
i must be mistaken , isnt that what the SAR required in the first place.?????????????
had a parcel of documents today, very badly packaged, royal mail tried to seal the envelope.
i am disgusted the way they have sent important info out like that.
anyway they have been running another account in connection with my mortgage account with approx £1350 owing.
they seem to have started this in 1993/4 and called it a projected balancing account .
i would be gratefull if anybody has ever heard of this before.
they are saying it is money that i owe on top of my mortgage.
i am thinking about claiming all charges back as the first step.
is it a good idea while the mortgage is still with them.
any ideas anybody ???????????????
first step in reclaiming the charges and guess what , just had a reply today and they say they are in accordance with the terms and conditions and no refunds will be made.
As regards the endowment policy I was wondering if you signed any kind of deed of assignment of the policy. If so it may be that the deed then gave them the authority to cash the policy.
sorry for not responding earlier but been really busy on other cases.
i cant remember signing any deed of any description and under the full SAR i requested all the documentation relating to this transaction and they just dont respond.
If they haven't sent you all documentation as a request of a SAR within the timescale you can report them to the ICO via their website. I would write again to GE Money that they haven't complied within the timescale and that they have left you no alternative but to report this matter to the ICO. The ICO did intervene with one of my cases, Morgan Stanley, for not complying to a SAR. Alternatively, fill in an N1 court claim form.
sorry for not responding earlier but been really busy on other cases.
i cant remember signing any deed of any description and under the full S.A.R - (Subject access request) i requested all the documentation relating to this transaction and they just dont respond.
OGGY is this a first mortgage with GE or a secured loan with GE (second charge)
GE can't do this and write saying the charges are in the contract they are wrong. You've given them opportunity to respond and put matters right - they are still pulling wool over your eyes - so NOW you go FOS and get the whole thing sorted properly - you'll be surprised at the outcome.
Do not remortgage till you have the outcome of an FOS investigation - you will find GE will soon be placing you on their marketing lists to send you flyers encouraging you remortgage at a cheaper rate and they'll phone offering you the same - ignore and decline any such offers till you've had proper answers from FOS. There will be more in your favour to get this investigated completely.
Send with your completed complaint form copies of any relevant papers as far back as you can go and a copy of your agreement & statement etc.. try give FOS as full a picure as you can.
The problem with the fos at the moment is that they are taking so long with cases, I have two with them both since last June and they have not yet been allocated.
thanks for the advice , as i have some time now i will do as you suggest and report ge finance.
this was a mortgage in its own right with first national , which was part of ge finance.
they then renamed first national to ge , still at the same address.
i have written to ge capital 5 times giving 7 days to respond to the missing documentation and i have not even had an acknowledgement let alone a proper reply.
i am going to issue a court claim under the data protection act.
ge money !! returning the favour
with ge but what the heck!!
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Originally Posted by oggy1
