Thread: MandM vs GE Money - court claim arrives

My wife is looking at this one for her mother. I wonder if anyone could advise.

My mother in law took a store card with B&Q 4 or 5 years ago, maybe 6. Outstanding balance is under £500. Account is with GE Money.

Wrote to them back in Feb this year (24th) but had never missed a payment previously.Told them she could no longer afford to maintain the payments due to a change in circumstances and after completing a I&E she said she could only afford to give them £1.18 per month.

Received a 'payment overdue' letter dated 4th March and then they issued a DN dated 11th March 09. The DN gives "21 days from receipt of this notice" and the only amount shown is the one months payment missed (although she had paid a token amount of £1.18 which she has continued to pay ever since) she's 75 yrs old btw.

GE continued to add late payment charges and interest and last week she received a letter and statement from a company called CL Finance.

It states that they "are aware that you have agreed to make payments to us under a seperate concessionary payment arrangement" which we assume is the £1 per month.

Any ideas, never heard of CL Finance before but looks like they've stopped adding interest now.

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Originally Posted by MandM

My wife is looking at this one for her mother. I wonder if anyone could advise.

My mother in law took a store card with B&Q 4 or 5 years ago, maybe 6. Outstanding balance is under £500. Account is with GE Money.

Wrote to them back in Feb this year (24th) but had never missed a payment previously.Told them she could no longer afford to maintain the payments due to a change in circumstances and after completing a I&E she said she could only afford to give them £1.18 per month.

Received a 'payment overdue' letter dated 4th March and then they issued a DN dated 11th March 09. The DN gives "21 days from receipt of this notice" and the only amount shown is the one months payment missed (although she had paid a token amount of £1.18 which she has continued to pay ever since) she's 75 yrs old btw.

GE continued to add late payment charges and interest and last week she received a letter and statement from a company called CL Finance.

It states that they "are aware that you have agreed to make payments to us under a seperate concessionary payment arrangement" which we assume is the £1 per month.

Any ideas, never heard of CL Finance before but looks like they've stopped adding interest now.

I can post up an image of the DN if it helps also

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Any views or comments appreciated. Thanks,

M

Originally Posted by MandM

My wife is looking at this one for her mother. I wonder if anyone could advise.

My mother in law took a store card with B&Q 4 or 5 years ago, maybe 6. Outstanding balance is under £500. Account is with GE Money.

Wrote to them back in Feb this year (24th) but had never missed a payment previously.Told them she could no longer afford to maintain the payments due to a change in circumstances and after completing a I&E she said she could only afford to give them £1.18 per month.

Received a 'payment overdue' letter dated 4th March and then they issued a DN dated 11th March 09. The DN gives "21 days from receipt of this notice" and the only amount shown is the one months payment missed (although she had paid a token amount of £1.18 which she has continued to pay ever since) she's 75 yrs old btw.

GE continued to add late payment charges and interest and last week she received a letter and statement from a company called CL Finance.

It states that they "are aware that you have agreed to make payments to us under a seperate concessionary payment arrangement" which we assume is the £1 per month.

Any ideas, never heard of CL Finance before but looks like they've stopped adding interest now.

very polite bump

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Any ideas on how to handle this one anyone?

Originally Posted by MandM

My wife is looking at this one for her mother. I wonder if anyone could advise.

My mother in law took a store card with B&Q 4 or 5 years ago, maybe 6. Outstanding balance is under £500. Account is with GE Money.

Wrote to them back in Feb this year (24th) but had never missed a payment previously.Told them she could no longer afford to maintain the payments due to a change in circumstances and after completing a I&E she said she could only afford to give them £1.18 per month.

Received a 'payment overdue' letter dated 4th March and then they issued a DN dated 11th March 09. The DN gives "21 days from receipt of this notice" and the only amount shown is the one months payment missed (although she had paid a token amount of £1.18 which she has continued to pay ever since) she's 75 yrs old btw.

GE continued to add late payment charges and interest and last week she received a letter and statement from a company called CL Finance.

It states that they "are aware that you have agreed to make payments to us under a seperate concessionary payment arrangement" which we assume is the £1 per month.

Any ideas, never heard of CL Finance before but looks like they've stopped adding interest now.

Bump

Originally Posted by debbbbsy

Hi, CL finance is the debt collection arm of GE money.
They will still be adding interest & charges.
The next letter will be from Howard Cohen Solicitors + fees.
Resend your origonal letter to CL,Also insist the account is frozen, send it recorded . Do a CCA request, & a SAR to CL.

ty debbbbsy.

When you say the 'original letter' do you mean the IandE she sent in Feb?

Also reading your thread with interest to see how this relates!

thank you

MandM

Originally Posted by debbbbsy

Hi, CL finance is the debt collection arm of GE money.
They will still be adding interest & charges.
The next letter will be from Howard Cohen Solicitors + fees.
Resend your origonal letter to CL,Also insist the account is frozen, send it recorded . Do a CCA request, & a SAR to CL.

Sent the SAR a month ago nearly so time almost up.

Can anyone comment on whether it is right or not that she was issued a DN after only one months missed payment.

Thanks

Mrs M

Originally Posted by MandM

Sent the SAR a month ago nearly so time almost up.

Can anyone comment on whether it is right or not that she was issued a DN after only one months missed payment.

Thanks

Mrs M

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Hello just an update.
SAR up soon have heard nothing from anyone, what should i send now or should I wait for the CCa due in the next week and kill 2 birds with one stone.

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Originally Posted by MandM

Sent the SAR a month ago nearly so time almost up.

Can anyone comment on whether it is right or not that she was issued a DN after only one months missed payment.

Thanks

Mrs M

Now have the answer to this bit. CCA and SAR - no response and time almost up

Mrs M

Hi been a while since i updated this thread. Mainly because I put the account into dispute shortly after last thread when no CCA or SAR complied with. Have not heard a dicky since should we be worried.

Mrs M

Have received the SAR and copy of the agreement.Also got a log of what went on with the account. I was a bit surprised as it states in the log that the debt was sold to CL finance in June. Were they supposed to inform my mother that the debt had been sold and was the account supposed to be terminated first.

Mrs M

Well done for getting the information out of them. With the ball well and truly in your court now send the prelim and stick to your timeline. In my case they wanted extra time all over the show - DON'T PLAY THEIR GAME. With a bit of luck they won't even bother entering a defence which makes it easy. All the best