STEEKO00
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Everything posted by STEEKO00
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Hi, Quick update. Haven't heard from LINK since the complaint, not even a phone call or text! Sent a complaint to the FOS who will look into GE Money for the charges as LINK did not add them originally. They responded very quickly to the application and have been very proactive so far.... FOS cant do anything about the PPI as its pre 2005 . I even used a couple of the online PPI claim companies as a last resort and they sent the paperwork back as they don't think its a case they can win. So will wait and see for the charges for now. Steve
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Hello, Here is a response from Link regarding the complaint, seems I'm getting nowhere here. Steve
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sorted
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Hi, Draft of letter attached for LINK. could be a first, asking LINK for money!!?? Steve
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Fletch, apologies the terms and conditions were on the back of the application form.
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Thanks Brigadier. I'll send off the forms and see what happens.
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Thanks, They only sent that form and a copy of the statement with payments ( and charges) made.
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Thanks I'm dealing with Link who I'm sure wont give it up so easily. What exactly is wrong with the agreement and how to I approach them with the problem? I'm sure if I send them the two claims, ppi and charges, they'll just fob me off back to GE money
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I have 1,645.96 outstanding on this loan.
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Thanks, any of the team able to check this over for me?
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Thanks guys. Just received the credit agreement from LINK (attached), All in order I think.... I will have to begin payments again as they seem to have the paperwork Now do I send LINK the copy letter from GE Money explaining they are responsible for the unlawful charges along with the spreadsheet etc? And the same time letter to GE Money requesting a copy of the default letter sent to me to see if they requested payment of the full amount including charges. I feel GE Money is a waste of time and should just go down the FOS route. What do you think? attachment converted to pdf - dx
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I hope you mean the guy from GE as 'Muppet'? So is my only course of action for the unlawful charges/default the FOS? Steve
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Hello, Thanks for the advice re Zenith I'll see how that one goes... Here is a reply from GE Money regarding the charges and default. I cant see how Link are responsible for complaint against fees as GE Money applied the fees not Link.... And if the fees applied are unlawful then the default is incorrect, something they never explained in this letter ie what did they supply to the CFA's. any advice?
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Thanks guys Just the GE Money charges/default to tackle now. I'll update this post when I eventually get a response from them.
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Hi, What do I do now about LINK? LINK have not supplied the original agreement and I've sent the account in dispute letter. I've stopped payments to LINK as what is outstanding on the debt appears to be the same amount added to the loan by unfair charges and PPI. Steve
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21 days is shown in the template for the 'failure to provide original agreement' letter. Is there anything else I can do re this? Steve
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Hi, I've fired off a response quoting Sec.56 CCA to GE Money and take it from there. Spoke to them about the Charges/Default letter, they don't have any record of it despite it being sent together with the PPI letter!!!, had to send off another copy... No response yet from LINK regarding the copy of the agreement, they have tried to phone me though i'm not answering...they've got 6 days until the 21 days is passed since the 'failure to provide copy of agreement' letter Steve.
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Thanks I take it from the above no-one has succeeded in this line of complaint? Is this something I refer to the Ombudsman to continue my complaint? I'll print off the letters again to the administrator in the meantime and chase up the charges/default complaint to ensure is hasn't been 'overlooked'... Steve
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Hello, Quick response from GE Money re the PPI. The edited letter is attached. Basically they state that they did not sell me the PPI, it was Zenith (windows) and they (GE Money) are not responsible for the mis-selling of it as they were not present. Zenith are in administration and they have provided details of who to contact. What shall I do? Also slightly worried there is no mention of the complaint about unfair charges added to this account and that this is their final response (they sent a letter on 7th March acknowledging my complaint with a reference number which is the same number on this letter) Thanks steve
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Thank you Ill post tomorrow and keep you updated. Thanks for your help DX, its been invaluable. Steve
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Dx Thank you I've completed the PPI letter, the consumer questionnaire and the loan charges letter. Now do I send one big amalgamated letter with the two claims or two separate letters? Do I add the spreadsheets or keep them to compare the offer they make? I note on the charges letter there is a paragraph regarding default notice removal (due to charges added which is not quite the same situation as mine). Do I alter this to reflect my own situation? Or do this later once the charges have been refunded to strengthen my case? Steve
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All done
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Thanks DX Thats it now Steve
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Hi, I've entered my monthly direct debits, which were honoured, for the time leading up to the default. I have shown the 10.18% figure in the amount of charge column. What do I do now with the spreadsheet? I don't seem to be able to have a total figure populated in the 'award calculation'. I have edited my details from the spreadsheet. Steve
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oopps should have learnt by now.....edited version now attached.
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