Thread: AA99 v GE Money - Car Loan

March 2005 Commenced car loan at £212.42 p.m.
May 2008 Defaulted on 1 payment - Charged £30 returned direct debit plus $15 admin fee
24 June Letter requesting £302.42 (£2112.42 plus same charges)
22 July Letter advising Direct Debit cancelled by them so I didn't have to pay my own bank charges of £30 plus theirs.
25 July Online account showed £120 charges plus £212.42 owing and account balance £7099 outstanding.
25 July Received a settlement figure of £6026.17
(Car is now valued at £2,100)
08 August I telephoned regarding submitting an I & E Form and advised to offer 25%, ie. £55 p.m.
09 August Received letter stating GE Money were aware of our financial difficulties and sent an unusable I & E Form to complete and return with ALL ORIGINAL supporting documents as proof of income
10 August Arrears £332.42 of which £120 charges. Given 3 days to avoid recovery action and needed immediate payment.
15 August (date of receipt of above letter) I emailed receipt, advised unable to respond in 3 days. Referred to their letter dated 9 August acknowledging a Temporary Hardship Arrangement. Could they please stop sending threatening letters and phone calls.
03 September Received letter dated Sunday 31 Aug Default Notice Section 87 (1) of CCA 1974 giving until 14 September to pay arrears of £574.84 (£150 of which is charges)
03 Sep I telephoned GE Financial Solutions Unit to advise preparing I & E Form and was told that because I receive Carers' Allowances for 2 family members on Disability Living Allowance and Incapacity Benefit, that I had good cause to keep my car.
08 Sep Sent I & E form with covering letter confirming all the above and offering to pay £55 p.m.
17 Sep Received Letter dated 15 Sep advising Default Notice had expired and I had 7 days from the date of this letter to clear full arrears otherwise
1) DCA to collect plus more charges
2) CCJ
3) Court Charging Order against my property (I am a tenant!)
4) Attachment of Earnings (I am on benefits!)

HELP - WHERE DO I GO WITH THIS ONE????????

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H E L P
ANYBODY OUT THERE ? :cry:

Thanks for that! Have just copied and pasted to there!

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