Please can someone help I have a court hearing next week to decide if Sainsburys should continue to have a charging order my home for £1500. I got this credit crad around 5 years ago when I was asked to sign up whilst shopping in sainsburys! i was fine until got into trouble with debts when had my second child and was on maternity money, then could only go back part time to my job, eventually this debt got passed on to debt collection agencies and I arranged to pay sainsburys by standing order I got it down from £5000 to the £1500 but trouble started when i changed banks beginning of the yr and lost the SO details to pay, I rang a couple of times and paid on card asked for SO details and was told they would be sent out I never received them, next thing a couple of mths later I got a letter from court stating that eversheds and sainsburys had judgment against me and I had to pay forthwith. i couldnt afford this and so wrote many times and emailed Sainsburys to arrange a way to pay in monthly installments, i then got letters from eversheds that sainsburys were happy to accept a payment arrangement but they were applying for charging order and would accept payment once they had the charging order. I have sent SAR to Sainsburys and Eversheds and also asked for copy of my credit agreement as I cant ever remember signing one just the application form in the Sainsburys store, also PPI was added onto this account and lots of late payment/overlimit charges that I want to claim back, but is it too late now that they have the ccj and charging order and is there anything I can send or take to the court next week to stop it being made?? The last time I heard anything was a few month ago now when eversheds wrote to me and asked for a list of all my creditors so they could write to them and inform them of the charging order, to which I did not reply. Please can someone help??? thanks

Hi Please can someone help me, I have a claim against GE for all the fees/charges ect that have been added to our mortgage, we have now complained to the FOS about these but recived a letter yesterday from GE basically asking me to call them to let them know how I wanted this matter to be settled and that my complaint would have a considerable delay with the FOS before they are able to consider our complaint and that this may give us the opportunity to settle the matter between us in a much shorter timescale and that if I was agreeable we could discussn it over the telephoneor I could set out exactly what my expectations are for the settlement so they can understand if there is room for a negotiated early settlement. I have replied and told GE that I wish the FOS to look at my complaint as I have give them plenty of time to settle my complaint and they havent! We took out our first mortgage with GE in Sept 2004, but I cannot remember which broker we used and need their details so I have just recently sent a SAR to GE for the details on this mortgage as PPI was included on the agreement and I now want to claim this back also, does anyone have any idea of any brokers GE (well IGroup at the time) used as I would like to send a SAR to the brokers also, I am sure if I see the name I will remember! I remember at the time we were in a mess with our finances and the brokers sent a sales man to my house to complete all of the paperwork, and that at the time they did a cash back when we got the PPi with the mortgage, now after reading everything on here about GE, secret commissions etc I want to gather as much evidence as I can to send to the FOS, the current complaint we have with them is with regards to this mortgage and our current mortgage which we took out when we moved as they would not allow us to move our old mortgage and I have issues with the fact that at the time Sept 2005 they said they didnt deal with new mortgages directly and GE gave us the number of Loans Etc to call, we paid a broker fee of £1610 added onto our mortgage for this company and really they did not do their job they only looked at GE Money no other company, so if anyone has any ideas of brokers that IGroup used at this time as I really want to get this sent into the FOS and let them look at it all Thanks Maz

Thanks Ell-enn, I have sent my letter now did it in my dinner hour! I have just put on basically the same as what I sent a couple of weeks ago to them, but have added somemore on with regards to the texts from the manager. I also sent the £50 by postal order as I don't have a cheque book anyway! I will text the agent tomorrow and tell her that I have sent my payment and letter to head office, and tell her not to bother calling to mine see what she says tomorrow!! Thanks again everyone!

Thanks I will do!

Ok I will do, I will send the £50 that I originally asked to pay with the letter and will send an income and expenditure form to show that this is all I can afford at the moment until my hours go up again. I will mention in the letter about the manager texting me with regards to a £4000 charge that would be levied to her if I didn't pay extra also.

I will write another letter now to head office, as they haven't replied to my other one and I will post it today, I am going to complain about her actually because I am annoyed that she has text me stating she is going to get a £4000 charge levied against her if I don't pay an extra £20, why would they even do this?? I think I might go to the Citizens Advice Bureau for some advice on this as well!

Ok I have wrote to head office but they haven't replied yet, I thought that something was up, how could the manager get charged over £4000 just because I didn't pay £20 extra!

Please can someone help me I have 3 provident loans, in total they come to just over £5000. I have been really struggling to pay these as my hours were cut at work and also my partners. I have got copies of all three credit agreements and they seem fine, I have asked them to pay a much lower amount of £50 per month as this is all I can afford at the moment. The agent text me yesterday asking when I would be paying, I can pay tomorrow so text back and told her, and then told her I would make a payment again on the 27th March when I get paid and that I would try and pay as much as I can but obviously my mortgage, council tax and utilites need to come first. She then text back asking again asking how much I would be paying as they are being charged thousands in bad debt charges by the bank because of missed payments. I text back and told her most I can afford tomorrow is £100. I then got a text off her manager about half an hour later, stating the payment you are making this week, how much are you paying, so again I text the manager back and said £100. She then asked if I could pay £142.50 which would be 2 weeks payment, so I said I could at a push if I can get the extra money together. She then text back saying thank you. I then get a text ten minutes later from the manager again saying sorry just spoken to my boss and he is asking for £163.75 this week to prevent a charge being levied on her of over £4000, and would I be able to pay this amount. Please can someone help as I dont know what to do, I can probably pay the £163.75 but it will leave me with no money at all until I get paid in 2 weeks, and then when I do get paid I don't think they will accept lower payments then and I usually pay monthly so its like £285 per month of which at the moment I can pay £50 until my hours go back up at work, I have already wrote to head office at Provident to offer this payment and last time the agent called I paid her £50 and she said as long as we get a payment they are not bothered, but now they are saying that they are going to get charged etc if I dont pay more, is this right? Please can someone advise me Thanks in advance Maz

I really need some help, I have 3 provident loans stupid I know, I have had loans with Provident for a good few years now taken out because I have been struggling to pay everything again stupid i know, but I have now managed to get nearly everything sorted payed all of my mortgage arrears off ( I actually got a loan off provident a few yr back to pay these off but ended up back in arrears with my mortgage again because of trying to pay them both) so ive been in a bit of a nightmare. Like I say most things are sorted now Ive managed to do lots of overtime at work and used every single penny i have to pay towards getting debt payed off, but I am still in arrears with my Provident loans I am around £300 in arrears and the agent will be calling tomorrow for payment my weekly payment is £68 so I have to pay that also tomorrow, i just dont know what to do as I cannot afford this and don't get paid for another few weeks, does anyone know if i can request to pay less a week back or anything because i really want to get this paid off but I just can't afford the repayments my partner has recently lost his job aswell. Has anyone else had dealings with them i was thinking I might ring the head office in the morning and ask them about reduced payments because I don't really want to speak to my agent about it as when Ive had problems paying before her manager called me and said they would come to my work to get payment of me if I wasn't paying at home, and she has been texting me lately telling me my arrears amount and that the manager will be coming to see me if I don't bring my account up to date. I would appreciate any advice on this:-(

Hi Well today we have received a copy of a final copy of our agreement but it is just what we already had a copy of its the mortgage offer and the signed mortgage deed, we took out the mortgage in dec 2005 would we have had an actual agreement, im confused a bit now so I think I will take your advice and go to the CAB and see what they say. I have the copy of the first mortgage offer and now the final copy as this is what they have sent today. We didnt take out any ppi with them as we had with the first mortgage with them and then cancelled it and got it refunded as it was over 5grand and only covered my partner for the 1st 5 years. Yes we did pay an ERC of nearly £3 grand on our first mortgage as when we originally asked if we could move and add extra to our first mortgage, and were told we couldnt and had to remortgage I actually complained at the time about paying the ERC as it didnt seem fair that we were staying with them and increasing our mortgage and yet we still had to pay it. i am going to send of my SAR's today to the brokers and GE's soliciotors I will start there and also will see about getting the mortgage offer and signed mortgage deed checked out thanks for your help Maz

Hi Micko Thanks for your reply I think I might actually SAR them all because I had a bit of an issue at the time because when we remortgaged with them we actually already had a mortgage with GE and when we asked to move our mortgage when we moved house I rang Ge and they said we couldn't go direct through them as they didn't deal with customers direct and they actually gave us the number for the brokers who we had to go through to be able to take out a remortgage with them, at the time I really didn't think anything of this but know I don't know if this is right as why should we have paid a brokers fee when they didn't actually do a brokers job of searching for the best mortgage with different lenders they just remortgaged us with GE. I have CCA them as we kept copies of everything when we took out the mortgage but we don't actually have a copy of the agreement just the mortgage offer and a signed mortgage deed, so I am still waiting for a copy of our agreement Thanks Maz:oops:

Hi Everyone As of today we have cleared our arrears on our mortgage with GE Money, they have a suspended posession order so I am going to ask for a Notice of Discontinuance at the court, but I now want to claim for all of the charges that have been added to our mortgage. GE have said that they can't chase us for these and they are just placed at the end of mortgage but we are getting charged additional interest on top of these, I SAR'd them a while ago and know the charges upto April so I am going to SAR them again but reading up in other peoples post it seems I should also SAR the brokers and the solicitors is this right? The charges are now over £3500, but I don't know what is the best way to go about complaining about them as we still have the mortgage with them and will for another year until our early redemption period runs out and we want to now get a good few months of payments showing on our credit history of not being in arrears, is it advisable to go after them while we still have the mortgage? Thanks in advance Maz:D

Sorry, Ive just read that I need to ask for a Notice of Discontinuance so that if we get into arrears again they have to start from the beginning!!!

Hi Everyone We have finally as of today paid off our arrears to GE Money, what should we do now do we need to contact the court to get the suspended posession order cancelled? Also the total charges now applied to our account are just over £3500, and I now want to take this further and get these refunded back onto our account now that we have cleared the arrears, do we also claim back the additional interest that we have paid due to these charges? Thanks in advance Maz:D

no thats the charges they have added to our account we get a £40 arrears admin charge each month and then we had lots of charges for returned direct debits aswell!!

Hi We have received a letter today of GE Money stating that after a review of our account they have decreased our monthly payment to £543 its normally £549 so 6 quid!!! But it doesnt explain why they have decreased it or anything we have had ones before of GE when the interest rate has gone up or down but it clearly states this is why our payment has gone up or down. We are just wondering if anyone else has had this happen, we currently have a suspended possession order on our house so i get a bit worried at the moment with anything to do with our mortgage and I have tried to call the litigation department as thats who the letter is off and they deal with our account to find out why they have reviewed our account and decreased the payment, but they are closed until Monday!!! The letter did also say they had added our fee balance of £3572.72 into this payment so that as long as all future payments are made they will be paid off by the end of the loan, but this is all so im left wondering why they have reviewed our account!!

Ok will do I will have to send them tomorrow when Im at work as our printer has ran out of ink Thanks

Ok well I will get a letter sent off firstly asking them to confirm that this letter was sent in error, what do you think the chances are off them crediting our account with £100 will give it a try though! I will also get a SAR sent off to them, I know the charges are nearly 2 grand and they have told us over the phone that we are paying about £20-30 extra interest on top because of these charges, but I will send the SAR first and get the definite figures. I couldn't believe it this morning when we got this letter, I knew it was off them before I opened it and thought it would be just confirming the suspended possession order as they should have had a letter from the court regarding the order of £100 to be paid extra as we received the letters from court on Saturday. Do you think they have received the court order and thought they would write to us and try and get us to pay more than the court ordered?

Hi Everyone Please can someone give us some advice, we have received a letter from GE this morning dated the 21st April 2008, it states thankyou for contacting us (which we haven't) It then goes on to say that unfortunately your offer of payment is insufficient to service your account satisfactorily, we require you to make an increased offer of payment. If suitable increased monthly payments can be agreed, we will still be prepared to request a suspended possession order at the forthcoming hearing. if payments cannot be agreed, we will request an absolute possession order enforceable in 28 days. When this order becomes enforceable, we will be able to request a Baliff's apppointment. Please give this matter your immediate attention and we look forward to receiving your increased proposals. I have rang them and asked why this was sent when we alreay have had court hearing on the 10th and the judge ordered a suspended possession in that we pay £100 extra on top of our monthly payments, and that our first payment is due 1st May, and they have said that this letter must have been sent out in error and to disregard it, we are just a bit worried now they can't ask for another hearing for us to up our payments can they? We haven't received anything from the court with regards to another hearing just letters confirming that I attended hearing on 10th and that possession was suspended on the the above grounds. Does anyone think this is an error or are GE upto something? Thanks Maz

Yes I do have a schedule of charges, I will get my claim in at the court this week as my schedule starts in May 2002, so I would be better off getting it in now as if I wait until after the Test Case I wouldn't be able to claim the charges that are over 6 years ago back would I? Thanks Caro

Ok I will do, as they have already repaid 1000 through ombudsman, will I just take this off the total amount that I was claiming?

I don't have a previous thread, I just followed the steps which took me to this point. The letter I have from the Ombudsman definatley does'nt state full and final,it states "this offer is based on a goodwill basis". it then goes on and states "the offer I have outlined is made on an ex-gratia basis, and so once the court case is concluded, you may still be able to make a claim against the bank for the remaining amount of the charges". I assumed that this was with the ombudsman but do you think that I will have to wait until after the test case to start court action now? Thanks

Yes I checked before I accepted the offer, the letter from the ombudsman stated that this was an ex-gratia offer, they said that if I accepted the offer then my complaint would be final with the Ombudsman, but I could claim the remainder through them after the results of the Test Case but I accepted because if I didn't then my complaint was going to be put on hold until after the test case anyway. I also asked them if I accepted if I could then claim the rest through the courts and the ombudsman said that I could.

Hi Was wondering if anyone can give me any advice on my claim with Yorkshire Bank. Basically I complained a year ago my charges were just over £5000 after complaining and getting no where I submitted complaint to the FOS. Due to the test case this was then put on hold but I wrote again as we are suffering financial hardship (mainly due to these charges) and the FOS agreed to look at our complaint still. In January my complaint finally got through to an adjudicator at the FOS and I received a letter stating that Yorkshire were prepared to repay £1000 as an ex-gratia offer, and if I did not accept this then my complaint would be put on hold until after the test case. As I was desperate at the time I agreed to accept the £1000 with the FOS as they said it was an ex-gratia offer and I checked that I could still claim after the test case for the rest. What I am wanting to do now is take Yorkshire to court for the rest of the charges, I only went down the FOS route as I really couldn't afford the court fees at the time, I know that they will ask for this to be stayed until after the test case but can I ask for this to be overturned due to the fact we are suffering financial hardship, we've just had a suspended repossession order made last week on our home so I am really wanting to go after Yorkshire now to get the rest of my charges back so that I can clear the arrears on the mortgage and get rid of the suspended possession order. If anyone has any advice I would be very grateful Thanks Maz

Yes had the best nights sleep ive had in ages, still can't believe how nice the judge was I don't know quite what I was expecting, thanks to Ell-ens statement I didn't have 2 say a word or explain anything, he just asked GE for their figures and what he thought of the statement but their solicitor said due to our payment history and the fact we hadn't stuck to the previous arrangement (when we were forced into agreeing more as GE had said the most amount of time to clear arrears we could have was 18mths) they wanted possession, so I was all ready to put my point across when the judge said he would give a suspended possession and explained what it meant, thanks to this site I understood everything as I would have panicked if I didn't know what suspended possession meant. When we came out the solicitor asked for a few minutes as I hadn't seen him b4 (coz he was late) he asked about the statement I had given to judge so I gave him a copy and was on my way. The day b4 when I went to hand statement in I was in tears when I left, so I was dreading yesterday but I left feeling over the moon. I can now concentrate on going back to work in a week and also getting some bank charges back to help clear of the arrears, as soon as we are sorted we will be making donation to the site, coz it and every1 has helped us so much!