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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times. ×


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      okay, perfect and thank you so much for the help once again. so firstly i am going to initiate the breathing space, during this time it's likely ill receive a default. when i receive the default are you aware of how long it will take for me to know whether the OC have sold it off to DCAs? Once it's with the DCAs i do not need to worry as they cannot issue a CCJ only the OCs can Even if i decide to come an arrangement with the DCAs no point as the default will remain for 6 years paid or not paid I should only consider repayment if the OC still won the debt and then issue a CCJ? Just to confirm the default will not be seen after 6 years? No one can tell I had one then after 6 years ill be all good?

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      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times.

OUTFIT Store Card (GE Money)***WON***

papadak

By papadak
in Other Institutions Successes

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papadak

papadak

Posted
Posted

Hi I am reclaiming charges from OUTFIT store card and have had an offer of the difference between £12 & a number of £18 charges. GE Money are handling this query and state:

 

"GE Money has reviewed the OFT's publication of its findings into default fee charges along with our own cost base. Our view remains that we are entitled to charge these fees. This is consistent with the OFT's view. The OFT ruling deemed that a £12 fee would be a reasonable charge for costs incurred as a result of breaching the Terms and Conditions of your credit agreement. Our charging structure now supports this ruling. GE Money will only refund the proportion of charges that our customers have incurred that exceed £12"

 

They are now suggesting i refer the matter to the FOS.

 

Should I take this further via the courts?

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maroondevo52

maroondevo52

Posted
Posted

Hi, papadak.

 

 

Yes, take it as far as you can, £12 a reasonable charge, eh.....don't think so.

 

 

Regards.

 

Scott.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

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Bookworm

Bookworm

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Posted

Was this your prelim or LBA? If prelim, you can send LBA and state that they are LYING about what the OFT's report said: It did NOT say that a £12 fee would be a reasonable charge, quite the opposite in fact: http://www.oft.gov.uk/shared_oft/reports/financial_products/oft842a.pdf

 

We are not suggesting that default fees should be set at £12, and a court will certainly not consider that a default fee is fair just because it is below the threshold.

 

Or just sue their backside and don't forget the interest. :-D

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papadak

papadak

Posted
  • Author
Posted
Was this your prelim or LBA? If prelim, you can send LBA and state that they are LYING about what the OFT's report said: It did NOT say that a £12 fee would be a reasonable charge, quite the opposite in fact: http://www.oft.gov.uk/shared_oft/reports/financial_products/oft842a.pdf

 

 

 

Or just sue their backside and don't forget the interest. :-D

 

 

Hi,

 

Very interesting reply, thank you. My last letter was a 'final demand' so the next stage would be via a court claim.

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papadak

papadak

Posted
  • Author
Posted
GE Capital Bank Limited

6 Agar Street

London

WC2N 4HR

 

That's their registered office, the Leeds address is a PO Box, so not suitable for claim forms, use the London one.

 

Many thanks for your kind help.

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maroondevo52

maroondevo52

Posted
Posted
Hi,

 

I've had a result v Outfit ... they've agreed to refund, charges, interest & CF - good news!

 

Superb stuff, papadak. Congratulations :D

 

What was the last letter you sent them ?

 

Have they refunded you yet ?

 

Regards.

 

Scott.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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papadak

papadak

Posted
  • Author
Posted
Superb stuff, papadak. Congratulations :D

 

What was the last letter you sent them ?

 

Have they refunded you yet ?

 

Regards.

 

Scott.

 

Hi,

 

Thank you!

 

Yes they have, 2 weeks ago, via a court order - that was my 'last letter' in effect!

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maroondevo52

maroondevo52

Posted
Posted

Good work, well done ;)

 

Regards.

 

Scott.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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pennypenny

pennypenny

Posted
Posted

Congratulations Papadak :)

 

I am about to issue court proceedings against G E Money after starting a claim with them last year, I got a bit sidetracked with other claims and am just getting back to it.

I got the same reply as you, that their £12 fees are reasonable and they would only refund the ones that exceed £12.

 

So its on to court I go :eek: Can I ask? Did you file your claim via MCOL or by your local court. I am worried that MCOL will put it on hold along with the bank claims. Its been a long time since I've had to do this.

 

Well done :-D

 

Penny:)

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papadak

papadak

Posted
  • Author
Posted
Congratulations Papadak :)

 

I am about to issue court proceedings against G E Money after starting a claim with them last year, I got a bit sidetracked with other claims and am just getting back to it.

I got the same reply as you, that their £12 fees are reasonable and they would only refund the ones that exceed £12.

 

So its on to court I go :eek: Can I ask? Did you file your claim via MCOL or by your local court. I am worried that MCOL will put it on hold along with the bank claims. Its been a long time since I've had to do this.

 

Well done :-D

 

Penny:)

 

Hi there,

 

Thank You for your kind words. I issued a MCOL. It it's a store card not a prob. Go get em do not fear ... Send me a private message and i'll give you my template with detail. Good luck

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papadak

papadak

Posted
  • Author
Posted
Thanks Papadak,

 

I have sent you a PM.

 

I'm glad that its OK to use MCOL as thats the only one I have used before :)

 

 

hi any joy with outfit pennypenny??

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