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ben1305

capitalised arrears???

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i have a mortgage with GE money and fell into arrears due to company going bust.

after 2 years of tryin to get GE to help me they finally capitalised my arrears.

They also capitalised 3K worth of charges and additional interest.

 

My question is can they include charges and fees when they capitalise?

 

And if they cant how do i go about claiming it all back


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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You need to write to them asking for the charges to be refunded (i.e. removed from the account). This is a link to a letter I posted on another thread for claiming charges back. http://www.consumeractiongroup.co.uk/forum/attachment.php?attachmentid=19220&d=1276847849

 

Send the letter by recorded delivery and keep a copy for yourself. Also check on the royalmail website a few days later to print off the signature receipt. Keep that safe with your copy of the letter.

 

If GE refuse to refund you can raise a complaint with the FOS who will intervene on your behalf. You will need a copy of your letter to send to the FOS.


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thank you so much for the advice Ell-enn.

I will be printing the letter of and sending it on monday.

I'll update as soon as i hear anything


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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How do get GE to capatilise? Ive been asking this for ages and are informed they wont unless I can make 3 months payments regularly, which I cant hence my problems!! They are very unhelpful.

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