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    • Thanks for the other info will also take a look at that.
    • It doesn't use the word reconstructed in the cover letter.  Although, I have just noticed on the cover letter they have asked me to complete a financial statement and offer a repayment within the next 10 days, or they will continue to follow court directions.  They sent a separate letter on the same day advising me they will be continuing with their claim ?  They have done the same for both claims.  Is it worth just doing that - doing the financial breakdown and offering a x amount.    
    • hahah except I can't locate the courier to frighten them with it hahaha   
    • Dx100uk according to the ICO office, who I spoke to at some length earlier today after getting the email from the court, Equita are the data controller if they have instructed the contracted EA. The ICO have noted the case, and stated very clearly that the court has the higher standing in terms of dealing with, and punishing either party if they fail to adhere to the district judges order and any action they take will not be criminal.    but they also stated very clearly that with what I’ve told them, and on the basis of accepting what I’ve told them as gospel (which it is with written confirmation from both the courts and the police) then there is some major red flags being raised on both sides with them blaming each other.    they’ve advised me to essentially keep my powder dry until there is a charging decision and an outcome from the seperate proceedings with the EAC2 complaint, and then come back to them with the case and they will be in a stronger position to act against Equita and the EA as there will be established facts and evidence that have already been laid before a court.     
    • urm.. i seem to recall another assault case whereby the approved bailiff company claimed the body camera was nor theirs but a pers one of the bailiff, i think they got in serious trouble for it. i believe that breaks certain gov't approval for a bailiff company/firm regulations/laws  if memory serves me right?
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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      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.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Who has got a GE Money Lloan,Secured Loan or Mortgage?


elizabeth1
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Hi - I had a mortgage with GE money - but they were horrendous. I couldn't afford the repayments and the house got repossessed. I am just pursuing them now for various charges. Borrowed £155,000 and repaid £192,000! Over 4 years - they had a hell of a lot of charges out of me.

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I was unlucky enough to have a mortgage with GE money, borrowed 145,000, repaid 33,000 over 3years!!! and because of all the late payment fees the wanted 157,000 in final settlement when we sold our house in desperation. Bear in mind I paid a 22,000 deposit as well, making me a whopping 55,000 out of pocket in 3yrs. I exchanged contracts and handed the keys to the buyer we found on the day of our repossession hearing. Talk about going to the wire. I now rent. Personally i'm going to be after some advice on claiming some of these charges back (this is my first post) any takers?

 

:(

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We have a GE Mortgage..we just wrote to them telling them that : we give them 14 days to repay the late payment penalty charges, defaults and councilling fees. Sent them the :you don't have permission to visit us letter bla bla..and automated phone calls constitute harassment..why do you ask?

Donate to keep this site open

 

Any help or advice is offered as just that, help and advice without any liability. If in doubt consult a legal expert or CAB.

 

Make Cash Flow Forecast

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Have had GE money secured loan, this is in queue to be looked at for charges and exit fees.

I'm midway through the tunnel, but getting closer to the light.

 

 

 

Please be aware that i am not an expert in anything!

I may offer an opinion, but the final decision is yours.

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  • 2 weeks later...
We current;ly have re mortage, have pmd you also

 

 

Sorry I haven't had a PM from you yet - could you copy it to me again please? (If you click on my name in my avatar you'll be able to send me a message through that screen on the left hand side)

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We had a secured loan with GE/Igroup and the illegitimates tried to repossess two years ago. Have since paid the parentless people off by remortgaging with original mortgage lender AND got refund of £2k of unlawful late payment charges recently, although I am not allowed to talk about that:D. Still want to claim back 2.5k early repayment charge when the dust settles. Was the worst decision ever borrowing from this lot - in fact we are considering suing the broker who put us onto them as well.

 

As you can tell we Lurrrrrve GE money. In fact their mortgage counsellor (wannabee bailiff) told us to stop paying our credit cards - sadly four of them were GE storecards and we have trounced three of them so far in court :D

BANK CHARGES

Nat West Bus Acct £1750 reclaim - WON

 

LTSB Bus Acct £1650 charges w/o against o/s balance - WON

 

Halifax Pers Acct £1650 charges taken from benefits - WON

 

Others

 

GE Money sec loan - £1900 in charges - settlement agreed

GE Money sec loan - ERC of £2.5K valid for 15 years - on standby

FirstPlus - missold PPI of £20K for friends - WON

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  • 2 weeks later...

My mother had a secured loan with them for £3000 for house improvements. Because of her age I acted as guarantor for it. This was in 1993. After she passed I was paying. I became ill, but had personally paid them over £4k, and stopped paying. Stupidly left it. They asked for £39,000 last year! or they were having my house.

I fought it, and they accepted £1500 as full and final payment. They knew that had it gone to court they couldn't justify the amount.

Rip x

 

 

 

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Is the argos card part of GE MONEY ?

Finally if you succeed with your claim please consider a donation to consumer action group as those donations keep this site alive.

 R.I.P BOB aka ROOSTER-UK you have always been a Gent on these boards and you will be remembered for that.

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