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    • Is the letter headed Letter of Claim/before Claim or similar? If not, it sounds like more of the threatogram chain. If you're not sure, post up an anonymised copy of the letter and we'll check. HB
    • So guess what, we have received a final demand letter for £100. It states if payment is not made by 11/06 they will have no option but to forward the case to their litigation dept with a view to commence County Court Proceedings. So just wondering if anyone has any advice. Do we ignore this? or do we need to take action? Thanks 
    • hi dx, thanks for helping just re-reading everything this morning and I must have missed this one from uncle in his thread "What you should not do, is not contact the Banks and simply default on payments. "  are you in disagreement with this based on your last sentence?
    • Thanks for the reply and clarification, that might just explain why in my case contact has pretty much ceased. Though with such companies it doesn't mean they won't ever threaten to return to court as a tool to force one's hand if they feel they are not self informed on their chances etc.  But concerning how last year they tried to use the CCJ to get a charging order and the court granted an intirum order on our mortgage using the CCJ that would have been a good 2-3 months beyond the 6 years, should the court not have checked the age of the CCJ in the first case or would they always grant an interim order simply off the back of a CCJ being produced without even checking the age of it?.  Had I not defended that action at the time they may well have got a default using a CCJ older than 6 years which could be a concern going forwards. At the time when I contacted the court to question the paperwork for a final order application the clerk suggested people don't get informed when companies apply for interim charging orders, they are automatic if a claimant has a CCJ and people only get contacted once a date for a final order application goes through. kind of begs the question if such companies can continue a seemingly backdoor method to attempt default action if un-defended if the initial application doesn't need to check the age of a CCJ?.
    • Hello!  Wondering if someone can help with this.  I suspect not but worth a go.  I appreciate the "contract is with the seller" line, which is what Evri has fed me but wanted to see if someone with experience in these things could suggest anything else I could do here.  I appreciate there are many topics about lost parcels - My parcels weren't lost, until the driver walked up to my door with them and then decided to make them lost/stolen... I'll summarise what has happened.  Wednesday of last week - Evri delivery driver stole / walked off with 3 of my parcels.  -  Arrived outside my properly, took photos (3 separate photos as its 3 separate deliveries) of the tops of the parcels (pointlessly zoomed in on just the labels, couldn't see anything else, other than a small piece of the pavement and a little weed, which doubly confirms it was outside my door as I can see the same plant), marked the order as delivered and walked off with them.  He's marked on the Evri GPS marked that he was outside.   -  3 different deliveries, from the same company (same boxes etc.), but 3 separate tracking numbers. -  Went through the Evri bot which opened a case on each tracking number.  I then phoned them and left a voicemail explaining what had happened. -  24 hours later had a canned response asking me if the packages had turned up and to check around etc..  I responded explaining again what happened and that they've definitely been taken. -  4 days later,  this morning, I get a response telling me to ask the merchant to refund me. I've responded to this message with a long email, repeating what I said, that I believe the driver has stolen these packages and that he took those suspicious top down shots of the packages, marked them as delivered without ringing or knocking etc.  I've said that I expect them to investigate further, but I gather they won't. In my several messages to them initially and later, I told them I don't care about a refund and wanted the parcels.  They contain some sentimental stuff, nothing of high monetary value, hence me going to this trouble.  I only paid £25 for the contents. I did contact the merchant when this first happened and they asked me to wait a few days.  They ended up refunding me despite me asking them not to and that I wanted them to escalate it with Evri because this appears to be a case of theft.  They didn't seem bothered - Refunded me and told me to go back to Evri and escalate it with them? So - Is there any way to compel Evri to conduct a proper investigation with this driver?  Search for my parcels? I have quite a lot of deliveries handled by Evri (not out of choice) - They used to have a fantastic chap and I rarely had any issues.  He has been replaced by a new guy and I believe the route is handled by this same guy who I believe has taken my packages.  Naturally, I fear this is going to happen again in the future if no investigation occurs. Appreciate any assistance - Thanks for reading. Al.  
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GE Money PPI on Mortgage & a Secured Loan


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Good Evening Dougal, I think you will find it is I that has the tiny brain :)

 

I am not thinking very straight at the mo, so apologies for seeming so very stupid, I promise I am not always like this (I think :rolleyes:)

 

You have been a great help - thanks

 

Deli

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OK Part 2 lol

 

Received more documentation from them today...! my files must be enormous at GE! anyway I have some printouts from them, now these are going to take me a while to go through them. I thought that when i took out the secured loan that we hadn't taken PPI, but it looks like it was and is added to the loan...to the princely sum on over 5700 :eek: so i am also paying interest on this. I really can't remember asking for this as I more often than not stipulate that I get paid for being off sick and therefore i dont see the need. How do i know if i agreed to this? Also, The loan term is 156 months, but the insurance expires on 23.1.12??? erm doesnt sound right to me?

 

Any suggestions as to what i am looking for with this would be greatly appreciated.

 

Deli x

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  • 3 weeks later...

Has anyone looked at the above and can help at all?

 

Also, had 2 calls from them today over the same account, now he has just told me that the letters that they are sending out today carry a £25 charge per person on the account! So me and hubby, £50 for them to tell me i am in arrears that i know about and have an arrangement in place for? also they tell me that i am on verge of litigation where they will send our files to their solicitors? what the?

They actually broke an arrangement a couple of months back not me! When i complained they phoned me and asked would i accept £50 compensation that I have to date not received. These are pure muppets! grrrrrrrrrrrrrr

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  • 2 weeks later...

Hi there,

 

Can anyone advise me?

I am a bit confused after the recent rulings etc.

 

I wrote to my mortgage company on 23rd November asking for my charges back. Gave them the 14 days but I have had no reply at all.

 

Am I now sending a letter before action? Can this still go ahead?

 

Any help would be appreciated.

 

x

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  • 2 weeks later...
  • 2 weeks later...
  • 5 weeks later...

I was about to update this.

 

Got a letter from them enclosing a copy of a letter they said they sent to me back in December but i never received.

 

They have just said that they deem their charges to be fair basically, so i need some advice as to where i stand now and what is my next move. Can anyone help?

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I was about to update this.

 

Got a letter from them enclosing a copy of a letter they said they sent to me back in December but i never received.

 

They have just said that they deem their charges to be fair basically, so i need some advice as to where i stand now and what is my next move. Can anyone help?

 

Good morning

 

I suggest that you write to them quoting the punishment given to GMAC buy the FSA - it works wonders...! If you Google GMAC it may surprise you...!!

 

I suggest also that you say something along the lines of ...'I am concious of the ruling in the recent decision made by the FSA against GMAC, and in the light of this would like to open a dialogue with you concerning the charges applied to my account.'...

 

Then I suggest the closing line should be...'in the event that you feel unable to respond in a positive vein, I reserve the right to refer this matter together with details of other claimants in an identical position to the FSA without further notice.'....

 

Finally....' I look forward to hearing from you within 28 days of the date of this letter.,'

 

Send by 1st class recorded delivery, (or if you feel a bit flush..Next day Special delivery..!!), sit back and wait....

 

I can guarantee that you will hear from their solicitors that bunch of wa*kers 'Eversheds'. Be very wary of them, they are a very crafty bunch - but they are easily overcome!!

 

Best wishes to all as usual

 

Dougal

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  • 3 months later...

I know I was slow on the uptake here, but have sent a letter to GE money asking them to look at the charges again and quoting the gmac stuff.

Have had a letter back to say that they are looking into my complaint and endeavour to get a reply to me by 25th June!

 

Will wait and see but not hopeful that they will pay up, my luck just isnt in at the moment.

 

Will keep you posted

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  • 1 month later...

Hi, Delicarik,

 

I can't understand why you have not yet escalated your complaint to the courts to reclaim your charges.

 

From what you say, your claim will be at least £1200, with additional interest, maybe as much as £2000? This will cost you less than £100 to claim back at the courts, (it will take a few hours to research and write the Particulars of Claim),you will receive the money back and they will have wasted £100s on having to pay a solicitor to defend.

 

Otherwise, I can't see them past fobbing you off for another 8 months, then another . . .

 

BAE :-)

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I think you are right there, and this must be the route I now take as they have written to me and said the following:

 

They said they sent me a response on 12th December and that they never received a response (I always respond so baffled by this)

 

They have reviewed the account and can see it has been in arrears and that the charges applied to the account when arrears reach a certain level and reflect the general cost to them of maintaining a dedicated department for accounts in arrears. The cost is a result of contacting us by telephone, setting up arrangements, monitoring my account for payment and sending out letters.

 

The £40 admin fee is applied every month my account is in arrears.

TFor each direct debit missed, various(!) costs are incurred. I incurred costs when they tried to repossess my house and the solicitor sent invoices for the work carried out (I haven't asked for these fees back - should I?)

 

They then assure me that all their fees are applied within the terms and conditions of my mortgage!

 

They also know that their answer isn't what I was hoping for but they are confident that I will understand why they are unable to refund the charges.

 

 

Advice please? Should I proceed to court?

 

Thanks

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They have reviewed the account and can see it has been in arrears and that the charges applied to the account when arrears reach a certain level and reflect the general cost to them of maintaining a dedicated department for accounts in arrears. The cost is a result of contacting us by telephone, setting up arrangements, monitoring my account for payment and sending out letters.

 

 

Hi,

 

If they are so confident about their charges, why will they not allow them to be assessed in court? The above response simply adds weight to your claim as it is such a nonsensical argument.

 

When it gets to court you can ask for a court order for them to produce detailed accounts of how they calculate the £40 charge etc - and they will provide nothing.

 

Because they lied.

 

And you will win.

 

BAE :)

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HI, delcarik,

 

You can make a claim online, through the Moneyclaim website, or apply directly to the court nearest you.

 

My preference would be to go direct through a court as there is a word limit to your Particulars of Claim with Moneyclaim.

 

http://redirectingat.com/?id=3236X604245&xs=1&url=http%3A%2F%2Fwww.hmcourts-service.gov.uk%2Fcourtfinder%2Fforms%2Fn1_0102.pdf&sref=http%3A%2F%2Fwww.consumeractiongroup.co.uk%2Findex.php%3Foption%3Dcom_content%26task%3Dview%26id%3D138%26Itemid%3D82

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Firstly, you get a N1 claim form from the HMCS.gov.uk website or direct form your nearest county court.

 

The claim form is fairly simple. It will ask you for standard details about the amount you're claiming, the name and address of the defendant etc.

 

The only hard part is the Particulars of Claim, which your claim rests on, and needs to include details of the Acts you're relying on etc.

 

Once the form's done, make 2 further photocopies, including the PoC, and take them down to your county court. They will tell you the cost of making the claim, which is dependent on how much you're claiming.

 

Pay the cash. Get a receipt. Sit back and wait . . .

 

If you do decide to go for it, there may be others on here who will post ideas for your PoC.

 

I will post the PoC that were successful for me if you wish, and I would also suggest you scan the site for further ideas, particularly with regard to GE and recent developments.

 

Finally, be careful of posting too much information on here as GE may be one of the companies known to trawl the site and try to use posts against their 'valued' customers. PM (private message) a moderator if you're not sure whether to post something which may be sensitive.

 

Good luck!

 

BAE :)

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