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Pejparto

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About Pejparto

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  1. Dear all, I need help to prepare my defence but finding free legal advice is very difficult and no firms will take my case on legal aid. Does anyone know where I can get some free legal advice?
  2. We haven't heard anything back I have tried to get my parents legal aid and free help it's shocking that almost no law firms want to take this case on legal aid. Do I guess we are fighting this ourselves. I hope people can help me here. What do I need to send Ge money to get all documents they have on this account.
  3. Yes she is living in the house but her ex husband barrowed this money as second mortgage and forced her to sign the papers.
  4. Thank yes our defence is going to be undue influence but I would like reclaim the charges on behalf of mother because clearly she was in financial hardship and Ge money have applied unfair charges every month ranging between £40 to £80 and have applied further interest on such charges. I can very simply issue a small claims against GE money for a return of the charges but my worry is if I lose in accordance with the terns and condition they can add any legal to the mortgage account putting my mother in further debt with GE money who are one if the worst financial institutes I have ever dealt with. So that is why I want to get this right the first time round and that is why I want help from people. I really approximate all your helps and ask if you could please help us.
  5. Yes calculated the charges wrote to Ge money disputing the charges on basis that the exceptionally high and unfair but they have refused to refused to return the charges stating that they are in accordance with the terms and conditions of the original credit agreement. And now they are deflecting my letters on the basis that they have already issued their final response and will no longer correspond with us on this issue. I wonder what would be the best action going forward. Has anyone else been successful in getting their charges back and if so how did they achieve the same?
  6. Thank you for your post. I am a paralegal and I typed all these messages on behalf of my mother. She does not speak English and does not even understand the possession proceedings. I have done well on stopping GE money getting a possession but because this is not my area of law I very limited understanding about banking disputes. I normally deal with small claim litigation so this is all new to me. As I stated GE money are deflecting my letter on the basis that they have issued their final response in regards to charges. So what shall I do now court action or ombudsman and I am not sure what to write to either? So if anyone can help I will really appreciate it.
  7. The claim is issued for arrears and the mortgage is due to become term expired next month. I have calculated to date I have paid £7000 in charges and extra interest and they are claiming repossession for £8000. It is really difficult for me to fight this as i suffer from depression and anxiety and I don't even speak English and my sons are helping keep my house by fighting this in my behalf. The funny thing is I did not even borrow this money amount my ex husband borrowed the money and forced me to sign the agreement and I could not even read or write do I was unaware what I was entering in to. I have raised undue influence as my defence but we really need peoples help here to get our charges back because if we get our charges back that would mean my a majority of my arrears will written off and my house will be saved. So please help me guys. If you know any good lawyer who can take my case on a no win no fee basis or any good organisation to help me I really appreciate it. Also please of you have successfully reclaimed your charges please let me know how have you done so, by the ombudsman or court action.
  8. Thank so much for your help, but what I am really interested in is what should be my action going forward 1. Court or 2. Ombudsman because I have already over 2013 to 2014 raised complaints about charges and GE money has only referred to original terms in the contract and are now deflecting my correspondences by saying they have issued their final response in regards to charges. I am a bit worried about raising the complaint through the ombudsman as I worry Ge money will use the Supreme Court ruling to get out of repaying the charges. Moving on also I read somewhere that mortgage companies illegally sell your debt on others using a note and if you request this and challange them the bank usually backs off. Is this true and has any one tried this?
  9. Dear all, I went to possession hearing yesterday. I tried my best to get the claim for possession strike out but the judge did not agree with me, however no possession order was made and the case was adjourned with my directions that I file and serve a defence in the case. I have a good month and half until the next hearing but before that hearing I would like to apply to get my charges and interest back. I would like to know if anyone here has been successful in getting their charges back and if so how did they achieve that? Thorough The court? Ombudsman ? Or by any other means? If you were represented by a law firm or helped by an organisation please let me know so that I may also pursue the same as my home is at risk and my home is the only thing I have to show after 60 years of hard work. Thank you all in advance.
  10. Dear all, I went to possession hearing yesterday. I tried my best to get the claim for possession strike out but the judge did not agree with me, however no possession order was made and the case was adjourned with my directions that I file and serve a defence in the case. I have a good month and half until the next hearing but before that hearing I would like to apply to get my charges and interest back. I would like to know if anyone here has been successful in getting their charges back and if so how did they achieve that? Thorough The court? Ombudsman ? Or by any other means? If you were represented by a law firm or helped by an organisation please let me know so that I may also pursue the same as my home is at risk and my home is the only thing I have to show after 60 years of hard work. Thank you all in advance.
  11. Hi, I hope everyones fine, Ge money are taking possession proceedings against me even though the amount of unfair charges are well in excess of current arrears. I am having some dispute over my charges with Ge money, I have opened a claim against Ge money and going to Wandsworth county court on the possession proceeding on the 12th of September to address my concerns about the charges, and GE money's unfair treatment of consumers. I know most of the people here are having the same problem with Ge money's outrageous charges and behaviour. I am going to fight this in court and plead that there charges are outrageously high, also they haven't provided me with a clear copy of agreement contract and it was with Cowen my original contract was with, not Ge money. **Removed private email address ** And we can raise your issues in these proceedings. the hearings on the 12th of September so we have very limited time so please contact me ASAP and I will put forward your concerns as well, the more we are the more standing we have against Ge money and for once we can stand up to their outrageous behaviour. If you are deciding to join my action please send me a email well in advance of 12th of September, as I am also a litigation paralegal, I could provide you with some advice or come on the day as I said the more the greater standing we have against Ge money. The hearing is tomorrow at 12 noon, if you or anyone has had a success story or if you want give me some advice on cases against Ge money can you please reply urgently. Thank you so much
  12. Hi, I hope everyones fine, Ge money are taking possession proceedings against me even though the amount of unfair charges are well in excess of current arrears. I am having some dispute over my charges with Ge money, I have opened a claim against Ge money and going to Wandsworth county court on the possession proceeding on the12th of September to address my concerns about the charges, and GE money's unfair treatment of consumers. I know most of the people here are having the same problem with Ge money's outrageous charges and behaviour I am going to fight this in court and plead that there charges are outrageously high, also they haven't provided me with a clear copy of agreement contract and it was with Cowen my original contract was with, not Ge money. So if any one has problems with Ge money you are more than welcome to contact me And we can raise your issues in these proceedings. the hearings on the 12th of September so we have very limited time so please contact me ASAP and I will put forward your concerns as well, the more we are the more standing we have against Ge money and for once we can stand up to their outrageous behaviour. If you are deciding to join my action please send me a email well in advance of 12th of September, as I am also a litigation paralegal, I could provide you with some advice or come on the day as I said the more the greater standing we have against Ge money.
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