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Jake17

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  1. Thanks for your reply The account was 2010 and then defaulted in 2012 but in between time from what I can remember it was passed to NCR debt collectors? does this make any difference. Dont remember him ever getting a default notice either. What about the changing of the default name?
  2. Hi My son has recently applied for a mortgage and has been turned down due to a default on his file which originally was Shop Direct which then defaulted and was sold to Lowell. The amount was £371 and was paid off in full to Lowell in Oct 2013. It is due to drop off his file in August 18. I am trying to help him get this removed because I have read somewhere that usually if debts like these are passed to Lowell they are in some way unenforceable by the legal route. Can anyone tell me who would I SAR so I can start digging to see if I can find anything and what would I look for? Cant find any old paperwork even relating to this account but I have some emails relating to Lowell. I have had dealings myself with Lowells and they are currently chasing me for an old debt with Provident and I was wondering if I cant help my son with getting the default removed by finding something untoward, then do you think I could use my debt as a bargaining tool to either remove the default from his file or transfer it to my name. I would rather it be on my file for the next 9 months than his. I know this is underhand but I dont think they are exactly saintly themselves. Can anyone help with this please. Thankyou
  3. Hello again, can't quite believe am here again! If you look at my old thread above, I challenged and won before court date £1750 back in admin fees from ge ........ forward 2 years and my account which I have kept in order has been passed to arrow global and to my horror I have realised the charges that they be so kindly refunded by cheque are still on the account. I have contacted arrow who have asked for proof, which I have sent, but I have just received a letter from arrow stating 'thank you for your complaint we will be looking into this ....blah blah' . hmmm seem to have been here before. I have sent them a letter showing the amount that ge refunded to me but I have got a nasty feeling that I have been stitched up like a kipper!!!!! As it never actually went to court would I be in a position to take theses idiots (arrow) to court if necessary??? Please help!!!
  4. Hello Help and guidance appreciated. Back in August i received a letter from Loans. Co.uk informing me that i had been misold ppi on a loan/ mortgage and that they were investigating and they would be in touch. I then received a letter saying they did owe PPI and that a cheque would follow shortly and they were calculating the figures from Cigna and Stirling( insurance) The figures arrived yesterday and the amount is 1600.00. Which is ok but unfortunately there is no explanation as to what this is based on or how this has been worked out. I had a mortgage with them and then remortgaged in the space of 2 years for around £44k the first time and then around £75k the second time. I have no paperwork and nothing to go on except the account number that they sent me. I was self employed at the time and self certed these mortgages. Do i SAR them - i really don't trust any of these lot especially anyone related to GE money as i know these are. What do you think. If they had nothing to hide why haven't they included the calculations in the letter? Ive had the ombudsman pamphlet sent from them added in their letter? This loan was started in 2004. Any help with thanks.
  5. I have decided to accept the offer - due to the mistakes ive made with missing stuff out etc i dont think its worth the risk. I really wish i had bought the patricia pearl book advertised on here earlier ( only bought it last week) and read through it before starting ( caggers take heed!) it does show though that you can fight these companies and get your money back (maybe all of it if you follow correct procedures!) i want to thank everyone for the help and comments in the meantime.
  6. Thanks andy I have just got home tonite and have had a new offer of 1750 (tomlin order) with a letter saying that because i havent entered any witness evidence - i am now debarred from relying on any evidence at the hearing. What do you think - take it and run? Or try to negotiate - think maybe its a little late in the day as court is next friday? Thanks
  7. Hi All - 6 months on..........................Still battling on with GE money!Hope this will help others.Have a court date set for next Friday 15th August. So far I have had another offer of 1250.00 same as before they never increased it and then a tomlin order with the same offer. I have not replied to these - in hindsight may be I should have tried to get them to up the amount? Anyway too late now.......Last week I recieved a huge ream of paperwork from Optima - GE's defence forms. They have included a witness statement from a member of staff and a copy of the original loan agreement and then a copy of the telephone transripts detailing all the times they have tried to contact me (mainly at work! I had to ask them to stop constantly contacting me) Basically my side doesnt look good but I knew they would do this, looks like this is going to be a slagging of session of how bad a customer I have been.So....any advice please, I am very nervous about going next Friday and hope I dont fluff it because of this. I am thinking along the lines of ' Sorry I really don't feel that we are here to discuss my poor credit record or behaviour - the issue is the unfair charges applied to my account'. What do you think? Advice much appreciated!
  8. hello everyone I have received e general form of Judgement or order in this mornings post. It states - It is ordered that 1. The claimant shall by 14.00 hours on 17 April 2014 a) File at Court and serve on the Defendant a detailed breakdown of how she calculates the sum of £2276.70 b) File at Court and serve on the Defendant a fully pleaded particulars of claim which shall include the legal and factual basis upon which she claims the charges levied by the Defendant are unlawful or unfair c) File at Court and serve on the Defendant a written statement setting out why the Court should not stay this claim pursuant to s141(5) Consumer Credit Act 1974 until such time as Mr (my partner) is added as second Claimant herein (and consents to the same) 2. In default of compliance with paragraph 1 of this order, the claim shall stand struck out without further notice. 3. Because this order has been made without a hearing, the parties have a right to apply to have the order set aside, varied or stayed. A party making such an application must send or deliver the application to the court (together with any appropriate fee) to arrive within seven days of the service of this order. I understand the particulars of claim bit - i am assuming I will need to fill in a form at Court for this? And then send a written statement to GE? Think I have seen a very well set out POC on this site somewhere to help me. I find the last bit a little confusing though (3)I wondered if anyone could anyone help? Thanks Jake
  9. Hi not yet - will post next instalment soon as i hear anything
  10. Thanks for that made me feel a bit better and thanks for sorting my thread out!
  11. Hi I am in the middle of trying to reclaim charges from GE money for admin fees. I have followed letters procedure and GE offered me a settlement after much wrangling (WITHOUT PREJUDICE) OF 1250 - THE CLAIM WAS FOR 2200.00. I turned this down. Basically I have made a mess of the claim form - my POC was poor and I didnt add my partners name on the form and GE are all over this and have filed a defence using all of this. I don't feel I am in a very good position. I received my directions questionnaire on Friday sent it back but couldn't pay the allocation fee as the court phone lines were busy - so this needs paying on Monday. In the meantime, this morning., I have received a letter form GE Solicitors (Optima) asking me to discontinue with he claim in view of the defence. Can I drop the claim and re - issue a new one that is properly particularised? Or if it goes to court and is struck out can I start a claim again? I am so confused as to what to do, I jumped in feet first and have made a total hash of it but they shouldn't be allowed to get away with these charges. Any help or advice would be most appreciated.
  12. Ongoing fight with GE Money - Help please? Well I decided against accepting the offer made to me by GE and last week received the defence form from them in the post. As i said earlier - my POC was very poor, I didnt realise that this had to be so comprehensive and the solicitors for GE (Optima) have dived on this and have said in the defence that the POC is not properly particularised or set out in numbered paragraphs and then have continued to rip the claim to shreds basically. I have sent back my directions questionnaire yesterday but couldn't pay the allocation fee as the line was busy so they have asked that I pay this on Monday but in the meantime I have received a letter from Optima again this morning asking that I discontinue with the claim in view of the contents of the defence. If I discontinue with the claim, can I re issue a new claim properly particularised this time? I know this will cost me but they owe me 2200.00 so its worth the effort. Any help with this would be most appreciated.
  13. Hi Has anyone anymore advice for me - my partner thinks I should accept the offer as we have missed payments in the past. I am quite scared of the court process thing - wil I have to go? Thanks
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