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Please can someone give me some sound advice...... 5 yrs ago i paid for my double glazing with interest free finance from GE Money. About 2 yrs ago I got into difficulty paying my direct debit on time, and although it was always paid it was often late, and GE Money always let me know this with numerous letters/reminders to myself, my wife, and both of us at the same time ! Now my 5 yrs is up and GE Money have informed me that I still owe £600 for late payment charges etc, so my payments will continue, interest free for another 10 months. I have no problems with making these payments and even contacted them and asked if I could settle the account with one payment if they were willing to discount it a bit, even by just 25%, to which they said No Way ! I have to pay the full amount as it was an interest free account. As I've said, I can afford the payments but it just drives me mad that they are so pedantic and unhelpful, So, the crux of the matter is, Can I in anyway reclaim these charges, simply for the satisfaction of getting them back !!??? Any advice, ie am i wasting my time, will be gratefully received, Many thanks B68
Hi, I have disputing an alleged debt from GE money and had written asking them for proof of the debt, obiously they were unable to provide all of the evidence requested. This resulted in me having a Tacit Agreement in place with them, but they have still pursued the matter with the court. I have contested the courts jurisdiction by using the Acknowledgement of Service and Stat Declaration of True Name and Notice of Discharge of Claim. The response I have received is as follows. "IT IS ORDERED THAT:- The defence shows no prosect of success and is struck out. The defendant shall file and serve a fully pleaded defence by 4pm on 23 November 2009. If no defence is filed the claimant may enter judgement in default. NOTE: A party affected by this order may under Rule 3.3(5) apply to have it set aside, varied or stayed. Such a party must apply under Rule 23.3. within seven days of service of this order" Now I didn't file a defence, I contested the jurisdiction of the court, so do I just send back the correspondence to the court that shows how over a period of 45 days three letters were sent which create the Tacit Agreement. Any help in this matter, would be greatly appreciated.