GE Woodchester Car Finance loan to Link Outsourcing

[alanalana]

Hello Beachy,

 

Evening aa,

 

OK- Keep in touch, without guidence, encouragement & of course pt's help and cracking input and letter I'd still be looking at ways of reclaiming ppi.

 

Once again many thanks to you both (letter printed and ready to go).

 

Beachy

 

Good luck to ya I will be watching

 

aa

[Josie8]

way to go............

[pt2537]

Hello Beachy,

 

did you get that letter off to GE?

[beachcomber60]

Morning PT,

 

Yes letter sent, they've had it for about week now, but no response from them as yet.

 

Beachy

[pt2537]

Morning PT,

 

Yes letter sent, they've had it for about week now, but no response from them as yet.

 

Beachy

Super Beachy,

 

Let us know when you recieve any reply from them

 

I would give them 28 days and once we get to that point then we should write to them again if they havent replied

 

all you need to send at that point is a Dear sirs, you have failed to reply to my letter dated XXXX a copy of which i enclose, please respond within 7 days .........

 

 

lets see what they come back with

[beachcomber60]

Will do, gave them until 15th Jan., as per your letter.

 

Will update as soon as I have any news.

 

If I don't have any contact with you before the 25th may I wish you a very Merry Christmas & thanks for your continued help and guidence.

 

Beachy.

[beachcomber60]

No response to the letter as yet, however, did receive on Xmas Eve a form from them to set up payments by standing order (as they thought it more helpful to us).

[pt2537]

No response to the letter as yet, however, did receive on Xmas Eve a form from them to set up payments by standing order (as they thought it more helpful to us).

how jolly kind of them:lol:

[beachcomber60]

Response from GE arrived.

 

 

 

 

 

[pt2537]

what a load of Bowlarks

[pt2537]

ok so it was a fixed sum credit agreement ? yes? for a fixed term ? yes?

 

so what the Fcuk is this dumbass on about?

 

on a fixed sum agreement, it is fair to suggest that the policy would be for the term of the loan ? yes?

 

so, if the agreement was for 60 months then so should the ppi policy as well? surely.

 

Nothing within the PPI shows it is a monthly rolling policy or that it can be cancelled at any time, so i think they have piddled in the wind here

[pt2537]

so also are they saying that the PPI policy is not credit then? if its not credit then it must be a charge for credit and then they would be screwed either way

[beachcomber60]

Steady on PT, you sound madder then me and Iam totally pi55ed off.

 

Didnt expect them to roll over and die on the first herdle, but didnt expect this sort of reply.

 

Beachy

Edited January 14, 2009 by beachcomber60
Spelling (AGAIN!)

[beachcomber60]

Any suggestions for a suitable response?

 

Thought we were on to a winner with this one.

 

Jim

[pt2537]

hi beachy

 

i will have a good think on this one as the reply is somewhat bullsh!te really

 

bear with me,

[pt2537]

 

 

Scan 3

 

 

 

 

 

Erm forgive me for being stoooopid but, this jackass is saying that the ppi was a month to month thing yeah?

 

well, i wonder if he can explain why it clearly sets out a sum being £1969.77 for the PPI on the statement.

 

he is pulling the wool over your eyes, i think you will find that its one of those situations where he has realised they are bang to rights and have thought oh sh!te lets just fob this guy off and hope he doesnt realise

[beachcomber60]

Thanks PT,

 

Your help & advice is greatly appreciated, the way I feel at the moment is I'd like to really nail 'em on this AND get back the ppi payments made.

 

Should I continue to pay them, if the agreement is that flawed?

 

Beachy

Edited January 16, 2009 by beachcomber60

[beachcomber60]

Morning Paul,

 

How's the review going?

 

Afraid their gonna come after me with a big stick seeing as I dared to makes stand against them.

 

Jim

 

(Beachy)

[pt2537]

Morning Jim,

Im having difficulty with this one, shocking i know, but how do you reply to a fool who knows sod all about consumer credit law? its a pointless exercise trying to educate him :lol:

 

I think im going to need to show that, using the figures they have provided and interest rates etc that the PPI was credit, that it was therefore required to be incorperated in the agreement correctly and therefore the agreement is defective, i know we did this with the intiial letter but unfortunatley it was read by someone who has little clue

[beachcomber60]

OK, pretty obvious it landed on the wrong desk, trouble is guessing whose desk it should have landed on!

 

Did think of taking it to the 'authorities' but by what Ive read on the forums there most likely find in favour of the creditor.

 

I'm sure you'll come up with something to throw at them.

 

Jim

[Josie8]

Morning Jim,

Im having difficulty with this one, shocking i know, but how do you reply to a fool who knows sod all about consumer credit law? its a pointless exercise trying to educate him :lol:

 

I think im going to need to show that, using the figures they have provided and interest rates etc that the PPI was credit, that it was therefore required to be incorperated in the agreement correctly and therefore the agreement is defective, i know we did this with the intiial letter but unfortunatley it was read by someone who has little clue

 

 

suggest something added at end along the lines add "I would suggest that as you appear to have little knowledge of Consumer Credit Law that this letter and my file is referred to your legal department/solicitors.

 

Should I not recieve a substantive response within 14 days from your receipt of this letter then I shall be making an application for a Declaration of Unenforceability.........etc etc. "

 

As PT says no point trying to educate someone who really doesn't want to be educated..................

[beachcomber60]

Hi Paul,

 

Been going over this one over & over trying to construct a reply but I'm not the best of letter writers, how you doing with it?

 

I value Josie8's input, need to put into words why what was sent is cr@p, other than that it just to let things carry on until it's paid off, although this would be unjust if the agreement is that flawed.

 

Jim

[beachcomber60]

Bump

 

Really need help in composing response letter #78

 

Don't want this to start going cold or should I forget about it and concentrate on mis selling the ppi?

 

Beachy

[pt2537]

Beachy

 

my apologies but i have been trying to spend a little time with my children, i have some pretty big trials coming up in the next few weeks and i will have little family time then.

 

I think the fact is that the guy who replied did not give you an answer which you required or were entitled to.

 

I will see what i can come up with when i get a mo, but suffice to say, your agreement is a multiple agreement and therefore improperly executed

[beachcomber60]

Thanks Paul,

 

Fully understand the need to spend time with your family.

 

Been twiddling me thumbs over the past few days - truck is off the road at the moment waiting for parts to arrive, no truck = no work

 

Jim