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    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
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    • I came across this discussion recently and just wanted to give my experience of A Shade Greener that may help others regarding their boiler finance agreement.
       
      We had a 10yr  finance contract for a boiler fitted July 2015.
       
      After a summer of discontent with ASG I discovered that if you have paid HALF the agreement or more you can legally return the boiler to them at no cost to yourself. I've just returned mine the feeling is liberating.
       
      It all started mid summer during lockdown when they refused to service our boiler because we didn't have a loft ladder or flooring installed despite the fact AS installed the boiler. and had previosuly serviced it without issue for 4yrs. After consulting with an independent installer I was informed that if this was the case then ASG had breached building regulations,  this was duly reported to Gas Safe to investigate and even then ASG refused to accept blame and repeatedly said it was my problem. Anyway Gas Safe found them in breach of building regs and a compromise was reached.
       
      A month later and ASG attended to service our boiler but in the process left the boiler unusuable as it kept losing pressure not to mention they had damaged the filling loop in the process which they said was my responsibilty not theres and would charge me to repair, so generous of them! Soon after reporting the fault I got a letter stating it was time we arranged a powerflush on our heating system which they make you do after 5 years even though there's nothing in the contract that states this. Coincidence?
       
      After a few heated exchanges with ASG (pardon the pun) I decided to pull the plug and cancel our agreement.
       
      The boiler was removed and replaced by a reputable installer,  and the old boiler was returned to ASG thus ending our contract with them. What's mad is I saved in excess of £1000 in the long run and got a new boiler with a brand new 12yr warranty. 
       
      You only have to look at TrustPilot to get an idea of what this company is like.
       
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    • Dazza a few months ago I discovered a good friend of mine who had ten debts with cards and catalogues which he was slavishly paying off at detriment to his own family quality of life, and I mean hardship, not just absence of second holidays or flat screen TV's.
       
      I wrote to all his creditors asking for supporting documents and not one could provide any material that would allow them to enforce the debt.
       
      As a result he stopped paying and they have been unable to do anything, one even admitted it was unenforceable.
       
      If circumstances have got to the point where you are finding it unmanageable you must ask yourself why you feel the need to pay.  I guarantee you that these companies have built bad debt into their business model and no one over there is losing any sleep over your debt to them!  They will see you as a victim and cash cow and they will be reluctant to discuss final offers, only ways to keep you paying with threats of court action or seizing your assets if you have any.
       
      They are not your friends and you owe them no loyalty or moral duty, that must remain only for yourself and your family.
       
      If it was me I would send them all a CCA request.   I would bet that not one will provide the correct response and you can quite legally stop paying them until such time as they do provide a response.   Even when they do you should check back here as they mostly send dodgy photo copies or generic rubbish that has no connection with your supposed debt.
       
      The money you are paying them should, as far as you are able, be put to a savings account for yourself and as a means of paying of one of these fleecers should they ever manage to get to to the point of a successful court judgement.  After six years they will not be able to start court action and that money will then become yours.
       
      They will of course pursue you for the funds and pass your file around various departments of their business and out to third parties.
       
      Your response is that you should treat it as a hobby.  I have numerous files of correspondence each faithfully organised showing the various letters from different DCA;s , solicitors etc with a mix of threats, inducements and offers.   It is like my stamp collection and I show it to anyone who is interested!
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Afternoon Caggers,

 

If its any help to anyone dealing with GE over ppi, I have done a bit of digging so far as GE is concerned over the ppi issues - as I previously said I aint letting this one go!

 

Taken from the FLA guidelines for agreements made before 1st September 2000 :-

 

4.0 Credit Protection Insurance

 

4.1 Members shall ensure that customers are made aware, where appropriate, of the availability of credit protection insurance.

 

4.2 Details of the major items of cover and exclusions under credit protection insurance policies arranged by the member, including eligibility criteria, shall be set out both clearly and prominently in appropriate literature. Customers shall be given this information, together with the cost of the cover, prior to making a decision to apply for insurance or at the time that an application for insurance is made.

 

4.3 Customers shall be supplied with full details of the credit protection insurance policy terms as soon as possible after making of the agreement (but not more than 21 days after the making of the agreement or before any instalment becomes due under it, whichever is later).

 

Turning to the FSA my research finds that GE Capital were fined £610k for failing to train hundreds of thousands of shop workers in correct procedures for selling payment protection insurance (PPI) and for failing to treat its customers fairly, clients include Debenhams, Arcadia, House of Frazer ….

 

GECB’s main business is providing credit finance through store cards, credit cards and sales finance. The store cards are usually branded in the name of the retailers (who are appointed representatives of GECB).

 

Sales: The firm failed where appropriate to review, amend and then operate its sales procedures to ensure that all customers received adequate information about the policy before they made a decision on whether to take insurance.

 

Training: In light of evidence that sales staff were not complying consistently with its sales procedures, the firm failed to amend its training procedures.

 

Monitoring & Management Information: The firm failed where appropriate to ensure its monitoring procedures were effective and failed to act in response to management information which was collected and available.

 

Customers: The firm failed to implement any procedure to contact customers to remedy the non-compliant sales identified by its monitoring procedures.

 

Compliance: The firm failed to resource the compliance function adequately.

 

Both the in-store and telephone sales are ‘non-advised’ which means that GECB does not recommend the insurance policy as suitable for particular customers. For non-advised sale the obligation on firms is to provide the appropriate information to customers in good time before the sale to enable the customer to make an informed decision as to whether the insurance is necessary or suitable. In this case, important information about the insurance was not provided to all customers in good time before the conclusion of the contract, and in some instances telephone customers were provided with inaccurate or misleading information about the insurance.

 

GECB was in breach of the FSA’s Principles for Business 2,3 and 6.

 

Principal 2: A firm must conduct its business with due skill, care and diligence.

 

Principal 3: A firm must take reasonable care to organise and control its affairs responsibly and effectively, with adequate risk management systems.

 

Principal 6: A firm must pay due regard to the interests of its customers and treat them fairly.

 

I hope that they will now take my compliant seriously and investigate within the eight weeks.

 

 

Beachy

Edited by beachcomber60
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fantastic research beachy it is this that will get u results now go forth and use this information to good effect well done PF

If I have been of help to you please feel free to click my scales to the left Thanks.:)

I have no legal training and the advice I offer is what I have learnt here and offered as a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner.

 

Finally if you succeed with your claim please consider a donation to consumer action group as those donations keep this site alive.

 

CARTER V Co-Op

BANK CHARGES

REFUNDED £3567

 

POMPEYFAITH V Co-Op PPI

OFFER MADE BUT REFUSED

ONGOING AND STILL ONGOING

NOW WITH THE OMBUDSMAN

 

R.I.P BOB aka ROOSTER-UK you have always been a Gent on these boards and you will be remembered for that.

 

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oh and if u have any links to the above information can u pass them onto alanalana so he can sticky them 4 others fighting GE MONEY thanks PF

If I have been of help to you please feel free to click my scales to the left Thanks.:)

I have no legal training and the advice I offer is what I have learnt here and offered as a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner.

 

Finally if you succeed with your claim please consider a donation to consumer action group as those donations keep this site alive.

 

CARTER V Co-Op

BANK CHARGES

REFUNDED £3567

 

POMPEYFAITH V Co-Op PPI

OFFER MADE BUT REFUSED

ONGOING AND STILL ONGOING

NOW WITH THE OMBUDSMAN

 

R.I.P BOB aka ROOSTER-UK you have always been a Gent on these boards and you will be remembered for that.

 

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Quality bit of research beachy :D

 

Well done.

 

If you can link please do so and I will add it into the big links sticky ;)

 

aa

I have no legal training and the advice I offer is a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner.

------------------------------------------------

Bank charge successes:

Halifax - Full settlement incl interest.

HSBC - Settlement, goodwill no admission of liability about 75% of claim.

RBS - Settlement, goodwill no admission of liability about 70% of claim.

2 ongoing claims for bank charges with HSBC with more to come. (Supreme Court ruling could have upset these claims) They did :mad:

PPI Successes

PPI 4 settlements on 9 loans. FOS involvement on 7 added on the 8 % Statutory interest another 30% to both.

2 claims settled in full with LV without FOS involvement.

2 claims settled in full with HSBC without FOS involvement

 

PPI Claims ongoing with:

Cap one Now with the FOS

Barclays. Paid up today 24/04/10 cheque received for over £4,500 and in the bank.

LTSB still have to decide on this as their SAR production was abysmal. Papers data mixed up documents missing etc

 

1 Complaint not upheld by FOS they said it was ICO issue. Complaint upheld by ICO. See this..

Post 290 from

***RBS PPI Claim Long fight but, WON***

 

Please do not PM me for advice as it may be sometime before I can respond.

 

Keep at them. Do not give way and do not accept all they tell you, they will delay and stall for as long as they can to prevent repaying you your mis-sold PPI.

 

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Evening PF & AA,

 

Thanks for the comments, I'am afraid I took exception to GE's response in that they feel they aren't responsible for the actions of store assistants when dealing with opening store cards accounts - hence the reason to go digging for info.

 

The links for stickys are:-

 

GE's fine -

 

FSA fines GE Capital Bank

 

Finance & Leasing Association Members Consumer Codes of Practice -

 

FLA :: Consumer finance :: Consumer Codes of Practice

 

when this page opens you select the year of your agreement and a PDF file opens with the code of practice covering that agreement period, the one I quoted in my earlier post was for agreements made prior to 1st September 2000.

 

Research is Power :D, I have already fired off a letter to them in reply to their bog off letter.

 

Hope this helps follow Caggers.

 

Regards Beachy :wink:

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Yes indeed beachy the power of the internet, the financial organisations biggest enemy ;).

 

Well Done

 

PF

If I have been of help to you please feel free to click my scales to the left Thanks.:)

I have no legal training and the advice I offer is what I have learnt here and offered as a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner.

 

Finally if you succeed with your claim please consider a donation to consumer action group as those donations keep this site alive.

 

CARTER V Co-Op

BANK CHARGES

REFUNDED £3567

 

POMPEYFAITH V Co-Op PPI

OFFER MADE BUT REFUSED

ONGOING AND STILL ONGOING

NOW WITH THE OMBUDSMAN

 

R.I.P BOB aka ROOSTER-UK you have always been a Gent on these boards and you will be remembered for that.

 

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reference the above posting, I've just edited it as I left a bit out regarding telesales staff. Think this could apply to TINK's battle with them.

, and in some instances telephone customers were provided with inaccurate or misleading information about the insurance.

 

I have found a bit more about GE and their failings regarding PPI but cant find the link so will have to get the pick axe out & go digging again ( I know - should have saved it to favourites :grin: )

 

Beachy

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  • 2 weeks later...

Morning all,

 

Letter from Santander today stating that they will not budge regarding refusal of any form of refund of ppi, through the FSA fine at them and the reply on that subject was the FSA fine was because of ppi mis selling AFTER becoming regulated, as my account was opened before they became regulated they feel they dont have to answer to anyone.

 

They also state that this is their final response as it is now deadlocked.

 

Will post up the letter if preferred, with what they have written I am starting to wonder if I have them against the ropes!

 

I would assume the only way now is a LBA?

 

Beachy

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Beachy I am in the same position, 5 storecards and the same response as you to all 5, they were taken out in 03 and they quote the fact not regulated til 05............has anyone won this battle with them ? Unsure as to whether to press ahead ?

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Ill be back on this one shortly just going to fsa site to have a read of there findings.

 

PF

If I have been of help to you please feel free to click my scales to the left Thanks.:)

I have no legal training and the advice I offer is what I have learnt here and offered as a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner.

 

Finally if you succeed with your claim please consider a donation to consumer action group as those donations keep this site alive.

 

CARTER V Co-Op

BANK CHARGES

REFUNDED £3567

 

POMPEYFAITH V Co-Op PPI

OFFER MADE BUT REFUSED

ONGOING AND STILL ONGOING

NOW WITH THE OMBUDSMAN

 

R.I.P BOB aka ROOSTER-UK you have always been a Gent on these boards and you will be remembered for that.

 

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Right this is the full report:

 

http://www.fsa.gov.uk/pubs/final/gecb.pdf

 

Looking at it i believe we need to find out if PPI would come under the umbrella of general insurance.

 

The firm has been regulated by the FSA since December 2001 and previously by the Bank of England. General insurance policies became regulated by the FSA on 14 January 2005.

 

Because it says above they where regulated by the FSA since December 2001 but general insurance was not regulated until 14th January 2005.

 

It does also say before this they where regulated by the Bank of England not sure if you will get anywhere with them though.

 

So we need to find out if PPI comes under General Insurance.

 

Also your only other option is the courts you can limit your costs if the claim is below £5000 as this will go via the small claims court which is an easier process.

 

If it is considerably above £5000 you will need a solicitor.

 

Hope this helps.

 

PF

If I have been of help to you please feel free to click my scales to the left Thanks.:)

I have no legal training and the advice I offer is what I have learnt here and offered as a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner.

 

Finally if you succeed with your claim please consider a donation to consumer action group as those donations keep this site alive.

 

CARTER V Co-Op

BANK CHARGES

REFUNDED £3567

 

POMPEYFAITH V Co-Op PPI

OFFER MADE BUT REFUSED

ONGOING AND STILL ONGOING

NOW WITH THE OMBUDSMAN

 

R.I.P BOB aka ROOSTER-UK you have always been a Gent on these boards and you will be remembered for that.

 

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Letter as received,

 

Dear Beachy,

 

I write in response to your letter ** July.

 

Having reviewed your recent letter and all previous correspondence, it is my understanding that your concerns are in relation to the sale of Account Cover.

 

I appreciate your comments surrounding the completion of the application, however, I would respectfully point out that, you did sign the application and this should only be signed if all the information is correct and that you understand all aspects of the Credit Application. If at any point you were unsure of what the full agreement entailed this documentation should not have been signed. Please be advised that a copy of your signed Credit Agreement was enclosed within our previous letter (unreadable microfiche - SAR revealed they no longer have the original).

 

You have explained that you have no recollection of being given any explanation in relation to the insurance ** December 1989. At the point of sale the sales assistants routinely discuss the key features and significant exclusions of the policy. However, I am sure you can appreciate it is no possible to discuss every eventuality and therefore the decision whether to proceed or not is ultimately down to the individual customer. I must also advise that at the time of the insurance sale in 1989, I can confirm there was no requirement for financial training to sell this insurance. However, all of our staff were thrained to give the features and benefits of the product, in addition, I would advise that if you were unsure of any information that was shown on your first account statement, we would expect that you contact us at this point of time, in order for us to clarify matters. Since you did not contact us to query the insurance premium charged, the relevent insurance premiums charged monthly.

 

Having noted your comments regarding your employment status, I would advise that we have always given our customers the details of the insurance and let them make an educated decision if the policy is suitable. This information was clearly detailed in your policy and is inline with standard industry practice. I appreciate that you advise you have not received the policy documents issued , however, please be assured that these were sent in good faith.

 

I can only apologise that all information regarding the insurance was not provided within your Data SAR. Please be assured that this matter has been fedback to the department concerned.

 

With regard to our comments surrounding GE Money (now Santander Cards) being fined by the FSA, I would advise that the FSA fine, and the associated media coverage, relates to policies purchased after 14 January 2005 when FSA's ICOB regulations came into force. As set out above, I note that your policy was set up Dec 1989, as this was prior to January 2005 the FSA's decision is not relevent, but all complaints alleging that insurance may have been mis sold are taken seriously.

 

in light of the above and all comments in our previous letter, I do feel that we have fully addressed all the issues you have raised. Therefore our decision remains the same and we are unable to refund any of the premiums charged to the above account.

 

If you remain dissatisfied with our response, you should note that we have reached a stage of deadlock as our internal complaints procedures have been exhausted.

 

-----------------------------------------------------------------------

 

Didnt mention anything about the breaches they made in the FLA Code of Practice for which they were members at the time !

Looks like its a court claim then - anyone succeeded in taking them to court over ppi and won or got them to back down - my claim is for £9,500.

Beachy

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I appreciate your comments surrounding the completion of the application, however, I would respectfully point out that, you did sign the application and this should only be signed if all the information is correct and that you understand all aspects of the Credit Application. If at any point you were unsure of what the full agreement entailed this documentation should not have been signed. Please be advised that a copy of your signed Credit Agreement was enclosed within our previous letter (unreadable microfiche - Subject Access Request revealed they no longer have the original).

 

Well thats a load of bull as they have a duty to ensure the policy is needed.

 

You have explained that you have no recollection of being given any explanation in relation to the insurance ** December 1989. At the point of sale the sales assistants routinely discuss the key features and significant exclusions of the policy. However, I am sure you can appreciate it is no possible to discuss every eventuality and therefore the decision whether to proceed or not is ultimately down to the individual customer.

 

Nope it is down to them to insure that sfaff are properly trained even if they are not employed by them

 

I must also advise that at the time of the insurance sale in 1989, I can confirm there was no requirement for financial training to sell this insurance.

 

Even so you could of gone over and above those requirements to insure that everyone selling was trained it is a poor firm indeed that just goes by requirements and is one of the reasons this country is in the state it is.

 

I appreciate that you advise you have not received the policy documents issued , however, please be assured that these were sent in good faith.

 

Well thats for you to prove then because i know i was not sent them

 

Well basicly what a bull**** fob off letter

 

PF

If I have been of help to you please feel free to click my scales to the left Thanks.:)

I have no legal training and the advice I offer is what I have learnt here and offered as a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner.

 

Finally if you succeed with your claim please consider a donation to consumer action group as those donations keep this site alive.

 

CARTER V Co-Op

BANK CHARGES

REFUNDED £3567

 

POMPEYFAITH V Co-Op PPI

OFFER MADE BUT REFUSED

ONGOING AND STILL ONGOING

NOW WITH THE OMBUDSMAN

 

R.I.P BOB aka ROOSTER-UK you have always been a Gent on these boards and you will be remembered for that.

 

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Have you taken this up with the FLA ?

 

PF

If I have been of help to you please feel free to click my scales to the left Thanks.:)

I have no legal training and the advice I offer is what I have learnt here and offered as a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner.

 

Finally if you succeed with your claim please consider a donation to consumer action group as those donations keep this site alive.

 

CARTER V Co-Op

BANK CHARGES

REFUNDED £3567

 

POMPEYFAITH V Co-Op PPI

OFFER MADE BUT REFUSED

ONGOING AND STILL ONGOING

NOW WITH THE OMBUDSMAN

 

R.I.P BOB aka ROOSTER-UK you have always been a Gent on these boards and you will be remembered for that.

 

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Have you taken this up with the FLA ?

 

PF

 

No, have read that they are a waste of time, even though GE have breached the FLA Code of Practice in force for that period of agreements(by what I've read and the way it was sold to me)

 

Thanks for all the info from the FSA site, lots of homework now although if it can be proved that they were regulated one way or another 2001 they will then fire back that I took it in '**.

 

What bugs me is that deep down I know I dont stand a chance of getting the £*k its their unwillingness to start to negotiate a settlement.

Edited by beachcomber60
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Rather than a claims management company have you thought about a good no win no fee solicitor.

 

Have you sort advice from community legal advice

 

Community Legal Advice - free legal advice for residents of England and Wales, paid for by legal aid

 

PF

If I have been of help to you please feel free to click my scales to the left Thanks.:)

I have no legal training and the advice I offer is what I have learnt here and offered as a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner.

 

Finally if you succeed with your claim please consider a donation to consumer action group as those donations keep this site alive.

 

CARTER V Co-Op

BANK CHARGES

REFUNDED £3567

 

POMPEYFAITH V Co-Op PPI

OFFER MADE BUT REFUSED

ONGOING AND STILL ONGOING

NOW WITH THE OMBUDSMAN

 

R.I.P BOB aka ROOSTER-UK you have always been a Gent on these boards and you will be remembered for that.

 

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Share on other sites

Would it be worth throwing a solicitors letter at them to see if they will enter negotiation.

 

PF

If I have been of help to you please feel free to click my scales to the left Thanks.:)

I have no legal training and the advice I offer is what I have learnt here and offered as a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner.

 

Finally if you succeed with your claim please consider a donation to consumer action group as those donations keep this site alive.

 

CARTER V Co-Op

BANK CHARGES

REFUNDED £3567

 

POMPEYFAITH V Co-Op PPI

OFFER MADE BUT REFUSED

ONGOING AND STILL ONGOING

NOW WITH THE OMBUDSMAN

 

R.I.P BOB aka ROOSTER-UK you have always been a Gent on these boards and you will be remembered for that.

 

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Dont give up beachy, I too am at a stalemate with them, I have just sent them the letter informing them that if they cannot supply a credit agreement (which they have been unable to do up till now) then the debt is unenforceable. I owe approx £1700, which has been passed to Link for collection and they now have a charging order. I am currently paying link a small sum each month. I am a bit uncertain about stopping payment due to the charging order, but if they cannot supply an agreement I expect them to take the debt back from Link and I want the charging order taken off but dont really know how to go about it. I will keep you posted of any replies I get from GE regarding this. We need to keep at them to let them know that we will not go away!

 

Tink

GE MONEY - DEBENHAMS CARD

Settled in full after prelim :)

 

MBNA

Settled after LBA

however mistake made by me on contractual interest so going after the rest now

SETTLED IN FULL JAN 2007:)

 

MINT

Offer after prelim rejected

Settled in full after LBA:)

 

to go:

Barclays Bus Ac - to mcol

Barclays CC - to mcol

Nat West (over 6 years) no action taken yet

Creation Financial - awaiting statements since Dec

Goldfish - offer after prelim rejected

and some more

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Dont give up beachy, I too am at a stalemate with them, I have just sent them the letter informing them that if they cannot supply a credit agreement (which they have been unable to do up till now) then the debt is unenforceable. I owe approx £1700, which has been passed to Link for collection and they now have a charging order. I am currently paying link a small sum each month. I am a bit uncertain about stopping payment due to the charging order, but if they cannot supply an agreement I expect them to take the debt back from Link and I want the charging order taken off but dont really know how to go about it. I will keep you posted of any replies I get from GE regarding this. We need to keep at them to let them know that we will not go away!

 

Tink

 

Morning Tink,

 

Thanks for your support, no way am I intending to give up.

 

Yours seem a little more complicated then mine, CL own the debt (alledgedly - no DN & no NoA) cca'd them but got no acknowledgement so reminder sent but still no acknowledgement - so payments stopped, GE have confirmed (three times) in their correspondence that my original agreement no longer exists, they have sent a microfiche copy but that is totally unreadable.

 

beachy

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Would it be worth throwing a solicitors letter at them to see if they will enter negotiation.

 

PF

 

 

Thanks PF,

 

have looked at Community Legal Aid, dont think I would qualify, so currently looking out for a no win no fee solicitor, too much to lose by giving into their bog off letters.

 

If their systems that were in place AFTER regulated by the FSA then it just show what an absolute shambles it was BEFORE they became regulated (thats my thoughts anyway).

 

Understand the change to the avatar.

 

Beachy

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thats the spirt keep going hard slog i know but thats what they prey on still options open yet PF

If I have been of help to you please feel free to click my scales to the left Thanks.:)

I have no legal training and the advice I offer is what I have learnt here and offered as a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner.

 

Finally if you succeed with your claim please consider a donation to consumer action group as those donations keep this site alive.

 

CARTER V Co-Op

BANK CHARGES

REFUNDED £3567

 

POMPEYFAITH V Co-Op PPI

OFFER MADE BUT REFUSED

ONGOING AND STILL ONGOING

NOW WITH THE OMBUDSMAN

 

R.I.P BOB aka ROOSTER-UK you have always been a Gent on these boards and you will be remembered for that.

 

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  • 6 months later...

Well, after nearly nine months & after GE stating they no longer have the cca due to how old the account is, suddenly CL have produced the in store application form/agreement (no prescribed terms though).

 

Interestingly, there is nowhere to sign for consent to have ppi or a tick box, just very small print stating it will be added, Iam at work now but will post up the actual wording later - misleading, deceptive springs to mind (amonst other words).

 

Perhaps CL will try a court claim now they have that copy (I do hope so so that I can counter claim).

 

Beachy

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Good luck Beachy, keep at it!

GE MONEY - DEBENHAMS CARD

Settled in full after prelim :)

 

MBNA

Settled after LBA

however mistake made by me on contractual interest so going after the rest now

SETTLED IN FULL JAN 2007:)

 

MINT

Offer after prelim rejected

Settled in full after LBA:)

 

to go:

Barclays Bus Ac - to mcol

Barclays CC - to mcol

Nat West (over 6 years) no action taken yet

Creation Financial - awaiting statements since Dec

Goldfish - offer after prelim rejected

and some more

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