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crampers

GE Money Arrears Charges

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Evening All ,

 

Having just read about on the BBC buiness news about MPs attacking charges on Mortgage Arrears thought I would have a go at GE Money who insist on taking £40 from us whilst in arrears,probably be a tough one but worth a go.

Does anyone know the four companies the FSA are about to take "Robust" action against and will this set a precedent .

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hi crampers,

 

I'm very interested in this as we had the same. GE were charging £40 +interest per month for 12months. I asked them several times to stop the charges as they were pushing the arrears up.

 

After the best part of 15 months and a whole lot of banging my head against a wall trying to talk to them they offer to capitalise our arrears.

as it turns out the arrears were £3000 but the charges they'd added amounted to over £3600.

Mortgage companies are **** who should be given a taste of their own medicine


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anyone taken these on and won???

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Hi all just had an offer from GE of 12 months arrears charges back £480 after last weeks report into excessive charges by Sub prime Mortgage companies get your arm in . One letter .

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well done crampers,

Is it possible you could let me know what letter you used?

you can pm me if you need to


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Ben I just asked them to outline the expense incurred in managing my account and to justify it, i said that i hoped it wasnt a reflection of sending me 1 letter a month, i then asked for the fees to be refunded or i would be taking the matter to the FSA and FOS .

 

In their response they informed me that managing accounts were payments are overdue is time consuming, intensive and costly and that the £40 charge is for additional work carried out and is reflective of the effort we invest into this exercise.The refund is a gesture of goodwill and is around half of the charges they have also agreed to hold any further fees of this nature.

If they don't pay the charges direct to me and just take them of the balance I'm afraid I will have to go for the full amount plus interest .

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let me know how you get on with this then please.

 

Does anyone else have any advise on what letter to you to reclaim all the charged added to my mortgage by GE ???


My opinions are my own and not those of anyone else :D

 

<<<<<<<<<<<<<< If you find me helpful please click on my scales

 

http://www.consumeractiongroup.co.uk/forum/credit-reference-agencies/211007-equifax-your-time-has.html

 

SIGN THE PETITION TO STOP CREDIT REFERENCE AGENCIES RECORDING DATA WHEN NO CREDIT AGREEMENT EXISTS - SEE FORUM POST

http://www.consumeractiongroup.co.uk...ml#post2370021

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Jumping in with a related question. I am being taken to court by GE for repossession shortly as my account is in arrears of £1,000. Most of the £1,000 is made of their £40 charges for being in arrears and sending a couple of letters and will now rise because of the court case. Before I was served with the court papers I sent GE an SAR and am waiting a response. It is my intenion to claim back the charges as I think £40 for pushing a button to generate a letter is over the top. I am in two minds whether to contest the case as I am hoping to retrieve charges or come up with an offer of payment on the arrears when I go for the court case and then carry on with attempting to get the charges back. I am hoping that I will not be repossessed for £1,000 especially as the actual arrears are £425 and the rest is charges.

 

I would welcome opinion on the best way to proceed.

 

NN4

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hi nn,

i take it you have a statement showing the actual arrears is £425.

If so then you should point out to the judge that this is the case. Make sure you show the judge proof. If you read up on the reposession threads you'll see that the charges should be added to the original loan.

 

Also are you working and can you afford to make payments towards the arrears?


My opinions are my own and not those of anyone else :D

 

<<<<<<<<<<<<<< If you find me helpful please click on my scales

 

http://www.consumeractiongroup.co.uk/forum/credit-reference-agencies/211007-equifax-your-time-has.html

 

SIGN THE PETITION TO STOP CREDIT REFERENCE AGENCIES RECORDING DATA WHEN NO CREDIT AGREEMENT EXISTS - SEE FORUM POST

http://www.consumeractiongroup.co.uk...ml#post2370021

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Thanks Ben1305. I have have a statement from them showing what the contractual payment is and the interest/admin fee that has been added. I wil most certainly take this to court with me. I have also received a letter from them stating that they have changed their business processes to my detriment and also, no doubt, to the detriment of other GE customers. An extract of this letter reads as follows

 

"We have reviewed and amended our business processes that affect your mortgage account. During the term of your mortagage you have incurred fees on your account. ... Your monthly payment has not been amended to clear these fees, which would therefore remain outstanding to be cleared in a lump sum during or at the end of your mortage term. ... The new process should now prevent this balance being owed at the end of your mortgage term. ... The balance of any fees accrued so far will be added to your capital and the montly payment adjusted accordingly. ... We have reviewed your account in line with our new process and therefore your monthly payment will rise by £100 per month."

 

This is absolutely unaffordable for me. I am working but my guaranteed overtime has been removed so I am actually around £300 down each month. Due to divorce, I am now the sole income and get no financial assistance from my ex as my son, although at Uni, is over 19 and my ex is unemployed. It was my intention to offer an extra £50 per month off the arrears. Not sure now where I stand with making the offer of £50 now that their procedure has changed.

NN4

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Jumping in with a related question. I am being taken to court by GE for repossession shortly as my account is in arrears of £1,000. Most of the £1,000 is made of their £40 charges for being in arrears and sending a couple of letters and will now rise because of the court case. Before I was served with the court papers I sent GE an SAR and am waiting a response. It is my intenion to claim back the charges as I think £40 for pushing a button to generate a letter is over the top. I am in two minds whether to contest the case as I am hoping to retrieve charges or come up with an offer of payment on the arrears when I go for the court case and then carry on with attempting to get the charges back. I am hoping that I will not be repossessed for £1,000 especially as the actual arrears are £425 and the rest is charges.

 

I would welcome opinion on the best way to proceed.

 

NN4

 

Good morning all,

 

You MUST contest this case. GE tried to repossess my house on three separate occasions and each time I beat them at Court!

 

The reason was simple: GE are sub-prime lenders, and I told the DJ at each of my hearings exactly that. I also explained that they had failed to adhere to the Mortgage Arrears Protocol, failed to respond to correspondence, and instructed solicitors who also failed to adhere to the Protocol, and who also ignored correspondence.

 

The fee of £40 they charge for pressing a button and sending a letter by computer is extortionate. I have been told that once the account is in arrears the letters are then automated until you bring the account back into 'credit', so no button pressing is required at all from that point on!

 

I told the DJ on each occasion that I was facing repossession, due to financial problems which were being exacerbated by GE. The property was on the market - I owed £108,000, the property was valued at £295,000 with one other charge for £16,000 on it, so there was more than enough to clear their mortgage.

 

GE will 'dig in' but will concede if it is indicated to them that further detailed investigation will be carried out into their dealings with your case!!

 

If I can help anymore please let me know - there are loads of great people on this site who will be able to help, and who WANT to help!

 

As always best wishes to all

 

Dougal


Update: 2013 Following our recent (9/7/13) hearing about Bank Charges at the Court of Appeal, and refusal to grant permission to Appeal; an Application has just (23/10/2013) been made for a fresh hearing and the Court Location is yet to be confirmed!

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Dougal - have sent you a PM

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Hi Dougal, thanks for the response to this thread.

Well done in beating GE 3 times in court!!!

 

I'll pm you later if you dont mind.

 

Ben1305


My opinions are my own and not those of anyone else :D

 

<<<<<<<<<<<<<< If you find me helpful please click on my scales

 

http://www.consumeractiongroup.co.uk/forum/credit-reference-agencies/211007-equifax-your-time-has.html

 

SIGN THE PETITION TO STOP CREDIT REFERENCE AGENCIES RECORDING DATA WHEN NO CREDIT AGREEMENT EXISTS - SEE FORUM POST

http://www.consumeractiongroup.co.uk...ml#post2370021

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