Ge Mortgage

[Dorabell]

Hi could some one give me some advise please, me and my husband have our mortgage with GE, i have been off work for 14months due to illness, we have kept up with our payments until this month we wrote to this people back in january explaining our situation and said we could only afford to pay a bit and sent all the documents they needed expenditure, sick notes, husband wadge slips my letter from my employer not receiving any salary, which they never replied so my husband rang them up explaining to them again all thou they had all the relevant documents sent to them, a lady who he spoked to advise him to pay interest only for 6months but he at to put in writing so he did that was the 12th feb on the the 15th we received a letter thanking us in order to consider converting your account in to temporay interest only payments for a 6months period( hopefully not for that long) the need evidence of my medical documents which they have got any way we have sent them off again that was yesterday the 19th feb, then we have received a letter today saying we unfortunately are unable to convert your account to interest only as our account does not meet our criteria yours sincerely customer service department advise would much be appriciated thanks marjie06

[Hopeful1]

Have they explained to you why they cannot meet your request?

 

I would ask for the reasons to be put in writing, considering they had made a verbal agreement.

[Dorabell]

hi all any advice please, update received letter today they are disapointed that we are in a arrears on our account with them,so they are issueing a default notice they giving 14days to clear our arrears and avoid further action, has we have explained our situation me being off sick from work, we have sent all documents and evidence to show them why we caint pay our full morgage payments, they just keep sending letters harrassing us by telephone we are at our wits end they just dont listen to us any advice would most appriciate thanks

[Ell-enn]

Hi, have you contacted the Citizen's Advice Bureau? their specialist debt counsellors should be able to intervene on your behalf, also the Nationaldebtline (Tel No: 0808 808 4000) are marvellous - you really need to get one of these organisations on board to get GE to listen to your situation.

 

Please let us know how you get on.

 

Kind Regards

 

Ell-enn

[Dorabell]

Thanks Ell-enn will do, i keep you posted:)

[andrew1]

Is this a first charge or second charge mortgage by any chance?

[Dorabell]

Hi andrew thanks for your reply, its our first charge:)

[andrew1]

Hi andrew thanks for your reply, its our first charge:)

 

Okay, no further thoughts then, had something else up my sleeve if it was 2nd :grin:

[Dorabell]

Hi all i need some more off your good advice please, we wrote to GE money last week, because i have retuned back to work this week, explained to them that we will be paying extra to pay off the arrears, received a default letter today they not listening to us, advice would be most appriciated thank you:mad:

[Ell-enn]

Hi there Marjie, did you send the letter recorded delivery? If so make sure you print off the receipt from Royal Mail website and keep with a copy of the letter you sent. You may need to prove you have tried to come to an arrangement. I assume you have kept all previous correspondence from them rejecting your request for interest only for 6 months?

 

You should make the payments you have offered anyway and keep up with them. If they do take any action you will be able to prove that you have kept to what you said you would do.

 

How are you intending to make the payments?

 

Kind Regards

 

Ell-enn

[Dorabell]

Hi ell-enn sorry i did not reply iv had so much going on, update with these horrible people giving us so much stress:mad: the arrears we going to pay extra 140 a month on top of our monthly payments over 12months they saying they are still going to charge us the £40 until the arrears have finished then they say we have got to come to some arrangements to pay the charges:mad: we have just receveied a letter from them adding anorther £200 my husband is so annoyed, any advice please i hope i have not confused you

[Ell-enn]

Hiya, have you got the arrangement in writing from GE. To be honest you would be best to clear the arrears first - then we will tackle the problem of the charges.

 

Kind Regards

 

Ell-enn

[Dorabell]

yes ell-enn they are sending us a letter confirming it, we going to clear over 12months thanks for your advice:)

[Dorabell]

Hi hall update with GE-MONEY we have arrange to pay the arrears off every month by telephone, my husband asked this to be put in writing they said they would (no they have"nt replyed) the first month my husband payed the first month arrears by check, then this month he payed by debit card, which he has made the arrangment to pay the arrears off, our normal morgage payments are comming out of my account that was the arrangement, so this month they have took out the arrears plus our normal payments out of my account, , so we have payed the arrears twice:x and it has taken me over drawn with the bank:x i have spoken to GE-MONEY they asked me if we had set up this arrangement with them i said yes and they woud be putting this in writing they are going to refund it but takes a week to go back in to my account:x so now i have no money for other things:x are they allowed to take out more money if not authorised i hope this makes sense any advise would be most appricated thanks

[Dorabell]

Hiya, have you got the arrangement in writing from GE. To be honest you would be best to clear the arrears first - then we will tackle the problem of the charges.

 

Kind Regards

 

Ell-enn

 

Hi all update we have finished paying the arrears off with ge-money what charges can we claim back as they have being charging us £40 monthly arrears administration charge your advice is most appriciated thank you:)

[Dorabell]

bump:)

[theotherside]

Hi all update we have finished paying the arrears off with ge-money what charges can we claim back as they have being charging us £40 monthly arrears administration charge your advice is most appriciated thank you:)

 

Ok, it wont be a case of claiming them back you havent actually paid the £40 charges, it would be a case of them being removed off the account.

 

Firstly, I would write to GE, explain that you kept to the arrangement on time (assuming you did) and ask if any can be waivered but also mention the DD error as well and the interest only cock up.

 

You may find that they will remove some for you as a goodwill gesture:)

[Dorabell]

Hi all i need a little bit of advice please with these people a diffrent question thou:) we have just finished our last payment on our fixed rate this has been going on for three years we have not had any acknowledgement from GE money of what our payments will go down to starting from next month i would have thought they would have to give us notice about the payments do we have to remind them or wait, they are soon quicker enough writing if we miss payments ect:rolleyes:

[theotherside]

Hi all i need a little bit of advice please with these people a diffrent question thou:) we have just finished our last payment on our fixed rate this has been going on for three years we have not had any acknowledgement from GE money of what our payments will go down to starting from next month i would have thought they would have to give us notice about the payments do we have to remind them or wait, they are soon quicker enough writing if we miss payments ect:rolleyes:

 

A letter would have gone out the month prior to your payment changing. Perhaps call customer services and ask if they have the amount and if you can get the letter re-sent:)

[Dorabell]

A letter would have gone out the month prior to your payment changing. Perhaps call customer services and ask if they have the amount and if you can get the letter re-sent:)

 

Thanks will do:)

[Dorabell]

GE MONEY sold mortgages to Kensington changing account number which includes the setting of interest rates and charges applicable to your mortgage:???:

[dx100uk]

if you say so.

 

 

dx

[renegadeimp]

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