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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times. ×


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    • Bazooka Boo
      Natwest Bank Credit card debt - Moorcroft- Lowells- Overdales @overdalesSols

      By Bazooka Boo · Posted

      Talking to them does not reset the time limit, although they will probably tell you it does, they'd be lying. Dumbdales are the in-house sols for Lowlife, just the next desk along. If Lowlifes were corresponding with you at your current address then Dumbdales know your address. However, knowing that they are lower than a snake's belly, you would be well advised to send them a letter, informing them of your current address and nothing else. Get 'proof of posting' which is free from the PO counter, don't sign it, simply type your name. That way then they have absolutely no excuse for attempting a back door CCJ.   P.S. Best course of action, IGNORE them, until or unless you get a claim form......you won't.
    • Plank37
      Techzone Mobile Buxton Ltd (dissolved 2022!) - Bought a dodgy phone from their Market stall - says doesn't do refunds with a sign up!!

      By Plank37 · Posted

      A 'signed for' Letter of Claim has been sent today so they have 14 days from tomorrow... Lets wait and see what happens but i suspect judging by their attitude they wont reply 
    • SPM87
      Homeowner - Struggling to now pay minimums on unsecured debt

      By SPM87 · Posted

      I am extremely apprehensive about burning our files.... I do not know why, so it is becoming an endless feedback loop. Scared to pull the trigger to speak in the desire not to mess up my file. 
    • Emily Carrington78
      Natwest Bank Credit card debt - Moorcroft- Lowells- Overdales @overdalesSols

      By Emily Carrington78 · Posted

      Hi All, So brief outline. I have Natwest CC debt £8k last payment i made was 7th November 2018 Not a penny since. So coming up to the 6 year mark. Can't remember when i took out the  credit card would be a few years before everythign hit the fan. Moved house 2020 - updated NatWest as I still have a current account with them. Then Lowells took over from Moorcroft and were writing to me at my current address. I did get a family member to speak to them 3 years ago regarding the debt explained although it may be in my name I didn't rack it up then went contact again. 29th may received an email from overdales saying they were now managing the debt. I have not had any letter yet which i thought is odd?  Couple of questions 1. Does my family member speaking to lowell restart statute barred clock? 2. Do you think overdales aren't writing to me because they will back door CCJ to old address even though Lowells have contacted me at current address never at previous? ( have no proof though stupidly binned all letters  ) Should I write to them and confirm my address just incase? Does this restart statute barred clock? 3. what do you think best course of action is?   Any help/advice is appreciated I am aware they may ramp up the process now due to 7th December being the 6 year mark.   Many Thanks in advance! The threads on here have been super helpful to read.  
    • Goodday
      Returning online order issue. items from Just BB Guns - both not what i want or faulty - within 14 days.

      By Goodday · Posted

      Hello all, just got this from my bank today.   ” Update on your payment refund As you know we temporarily refunded the amount(s) of £381.98 to your account pending investigation. We’re pleased to confirm that an additional amount of £359.99 has also been refunded to your account by the retailer on 18th March 2024. What will happen next To correct this situation, arrangements will be made on 6th June 2024 to reverse the original refund supplied from us.  Our file in respect of this matter will now be closed, which we trust is satisfactory.”   Not sure what to do as I was previously told if I hear nothing back after a certain date that would be the case closed now it’s been changed to the 6th of June. and as you see I’m not getting a full refund I don’t know wether to contact them again and try to get the £20, or if I even can at this point? Thanks again.   

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      We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

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      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times.

GE Money PPI on Mortgage & a Secured Loan

delicarik123

By delicarik123
in Mortgages and Secured Loans

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delicarik123

delicarik123

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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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delicarik123

delicarik123

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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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delicarik123

delicarik123

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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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delicarik123

delicarik123

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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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delicarik123

delicarik123

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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?

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Dougal16T

Dougal16T

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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...
delicarik123

delicarik123

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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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Blossomandebony

Blossomandebony

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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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delicarik123

delicarik123

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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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Blossomandebony

Blossomandebony

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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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Blossomandebony

Blossomandebony

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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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Blossomandebony

Blossomandebony

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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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