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    • Hmm yes I see your point about proof of postage but nonetheless... "A Notice to Keeper can be served by ordinary post and the Protection of Freedoms Act requires that the Notice, to be valid,  must be delivered either (Where a notice to driver (parking ticket) has been served) Not earlier than 28 days after, nor more than 56 days after, the service of that notice to driver; or (Where no notice to driver has been served (e.g ANPR is used)) Not later than 14 days after the vehicle was parked A notice sent by post is to be presumed, unless the contrary is proved, to have been delivered on the second working day after the day on which it is posted; and for this purpose “working day” means any day other than a Saturday, Sunday or a public holiday in England and Wales." My question there is really what might constitute proof? Since you say the issue of delivery is a common one I suppose that no satisfactory answer has been established or you would probably have told me.
    • I would stand your ground and go for the interest. Even if the interest is not awarded you will get the judgement and the worst that might happen is that you won't get your claim fee.  However, it is almost inevitable that you will get the interest.  It is correct that it is at the discretion of the judge but the discretion is almost always exercised in favour of the claimant in these cases.  I think you should stand your ground and don't give even the slightest penny away Another judgement against them on this issue would be very bad for them and they would be really stupid to risk it but if they did, it would cost them far more than the interest they are trying to save which they will most likely have to pay anyway
    • Yep, true to form, they are happy to just save a couple of quid... They invariably lose in court, so to them, that's a win. 😅
    • Your concern regarding the 14 days delivery is a common one. Not been on the forum that long, but I don't think the following thought has ever been challenged. My view is that they should have proof of when it was posted, not when they "issued", or printed it. Of course, they would never show any proof of postage, unless it went to court. Private parking companies are simply after money, and will just keep sending ever more threatening letters to intimidate you into paying up. It's not been mentioned yet, but DO NOT APPEAL! You could inadvertently give up useful legal protection and they will refuse any appeal, because they're just after the cash...  
    • The sign says "Parking conditions apply 24/7". Mind you, that's after a huge wall of text. The whole thing is massively confusing.  Goodness knows what you're meant to do if you spend only a fiver in Iceland or you stay a few minutes over the hour there.
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Ge money /prestige secured loan finance charges reclaim ?


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I took out a 10year secured loan from Ge money ten years ago

this was transferred to prestige finance in November 2015 .

 

The loan is at an end but I still owe 3800 .

 

There are charges and interest on charges on this account approx 2000 without any interest etc .

 

Can I claim these back I believe if I could it would clear the balance left .

 

Also I've got to still pay this and cannot pay the whole amount .

 

Do I offer to pay the same amount as I have been 600 per month ?

 

Will they charge me more interest ?

 

 

Also if I can claim who do I claim off Ge or prestige ?

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get an sar running now get all the statements.

 

 

they cant levy unlawful penalty charges

nor charge int on them.

 

 

is the charge still showing?

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Ge are a very hard nut to crack

 

 

but if you took them to court, more info please

yes you can reclaim those too

normally not so if twere the other way around

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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you took THEM to court

they cant charge YOU legal fees for doing that!!

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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without a costs order from a court they cant add any fees for any civil action, whether you sued them or they sued you.

 

You ask how they get away whith adding unlawful charges

- the answer is that most people are ignorant of what is right and what is not.

 

People who use these loan co's tend to be desperate and dont bother to consider the repercussions of signing up with them.

 

Now you have a bit of light on the matter hopefully you will take the time to look at all of this properly and then get reclaiming waht has been improperly charegd plus the interest on that money..

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  • 1 month later...

in November 2016 I wrote to prestige who ge sold /transferred the loan to

I got a reply saying sorry to hear I was dissatisfied with the service provided and they were unable to comment on the admin of the loan prior to the transfer on 6/11/2015 and for me to comntact gemoney regarding the matter .

 

I telephoned ge regarding this yesterday and the reply I got was to put the complaint in with prestige and it was up to them to liase with ge head office?

 

I rang prestige and got no joy

im taking it I need to send any relevant info letters to ge head office?

 

ive done a spreadsheet but im not sure the charges and or interest don't seem a lot comparted to what IVE PAID IN THE LAST 10 YEARS .

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might be better to put that up as a PDF

upload

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

Get reclaiming all of those fees from GE, the closer it gets to a court hearing, the more they offer to settle.

I assume your goal is to wipe what they allege is owed? Should be easy to achieve if you follow the correct advice here.

Been there with these and they not so tough to beat.

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Post them up for checking over removing any pers info pls

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Attach the spreadsheet

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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That's the only way anyone can reply!!

 

Attach your spreadsheet

Follow the upload guide

 

You don't inc interest

That's what the sheet calcs

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

Looks OK to me

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

Ok so I will send this to ge then even though prestige now own the account ?

 

Get reclaiming all of those fees from GE, the closer it gets to a court hearing, the more they offer to settle.

I assume your goal is to wipe what they allege is owed? Should be easy to achieve if you follow the correct advice here.

Been there with these and they not so tough to beat.

 

Did you send a letter to their head office? Do you have a thread about how you did it that I can read ?

 

Looks OK to me

There are other solicitors charges bit from them taking me to court it never actually got there as I paid the arrears before the court date . Can I claim these . I thought I couldn't but another post on here says you can ?

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please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Dx has linked you to my ge thread, read it to the end.

 

To answer yr questions;

 

Additional interest is charged because you didnt pay on time so the outstanding balance was higher than if you had made the payment, perfectly legit and none reclaimable.

 

Solicitors charges;

Debateable but i would always include them, just to give you more room for manoeuvre when it comes to negotiations re settlement.

PLEASE HELP US TO KEEP THIS SITE RUNNING

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I am not legally trained or qualified, any advice i offer is gleaned from experience and general knowledge, if you are still unsure after receiving advice please seek legal advice.

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