Jump to content


  • Tweets

  • Posts

    • sorry she is a private individual, the cars are parking on her land. she can clamp the cars. only firms were outlawed from doing it bazza. thats what the victims of people dumping cars on their drives near airports did and they didn't not get prosecuted.    
    • The DVLA keeps two records of you. One as a driver and one for your car. If they differ you might find out in around a month when they will send you a reminder as well as to your other half for their car. If you receive nothing then you can be fairly sure that you were tailgating though wouldn't explain why they didn't pick up your car on one of drive past their cameras. However even if you do get a PCN later the your situation will not change. The current PCN does not comply with the Protection of Freedoms Act 2012 Schedule 4 which is the main law that covers private parking. It doesn't comply for two reasons. 1. Section 9 [2][a] states  (2)The notice must— (a)specify the vehicle, the relevant land on which it was parked and the period of parking to which the notice relates; The PCN states 47 minutes which are the arrival and departure times not the time you were actually parked. So if you subtract the time you took to drive from the entrance. look for a parking place and park in it perhaps having to manoeuvre a couple of times to fit within the lines and then unload the children followed by reloading the children getting seat belts on etc before driving to the exit stopping for cars, pedestrians on the way you may well find that the actual time you were parked was quite likely to be around ten minutes over the required time.  Motorists are allowed a MINIMUM of ten minutes Grace period [something that the rogues in the parking industry conveniently forget-the word minimum] . So it could be that you did not overstay. 2] Sectio9 [2][f]  (ii)the creditor does not know both the name of the driver and a current address for service for the driver, the creditor will (if all the applicable conditions under this Schedule are met) have the right to recover from the keeper so much of that amount as remains unpaid; Your PCN does not include the words in brackets and in 2a the Act included the word "must". Another fail. What those failures mean is that MET cannot transfer the liability to pay the charge from the driver to the keeper. Only the driver is now liable which is why we recommend our members not to appeal. It is so easy to reveal who was driving by saying "when I parked the car" than "when the driver parked the car".  As long as they don't know who was driving they have little chance of winning in court. This is partly because Courts do not accept that the driver and the keeper are the same person. And because anyone with a valid motor insurance policy is able to drive your cars. It is a shame that you are too far away to get photos of the car park signage. It is often poor and quite often the parking rogues lose in Court on their poor signage alone. I hope hat you can now relax and not panic about the PCN. You will receive many letters from Met, their unregulated debt collectors and sixth rate solicitors threatening you with ever higher amounts of money. The poor dears have never read the Act which states quite clearly that the maximum sum that can be charged is the amount on the signs. The Act has only been in force for 12 years so it may take a  few more years for the penny to drop.  You can safely ignore everything they send you unless or until they send you a Letter of Claim. Just come back to us if they do send one of those love letters to you and we will advise on a snotty letter to send them. In the meantime go on and enjoy your life. Continue reading other threads and if you do get any worrying letters let us know. 
    • Hopefully the ANPR cameras didn't pick up the two vehicles, but I don't think you're out of the woods just yet. MET's "work" consists of sending out hundreds of these invoices every week so yours might be a few days behind your partner's. There is also the matter of Royal Mail.  I once sold two second-hand books to someone on eBay.  Weirdly the cost of sending them separately was less than the cost of sending them in one parcel.  So to save a few bob I sent them seperately.  One turned up the next day.  One arrived after four days.  They were  sent from the same post office at the same time! But let's hope I'm being too pessimistic. Please update us of any developments.
    • New version after LFI's superb analysis of the contract. Sorry, but you need to redo the numbering of the paras and of the exhibits in the right order after all the damage I've caused! Defendant's WS - version 4.pdf
    • Hi  no nothing yet. Hope it stays that way 😬
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
        • Like
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
        • Like
      • 161 replies
    • 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.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      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
        • Like
  • Recommended Topics

GE Money Home Lending - Taking Court action to recover charges


george_h
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 4279 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Pre-2004 is a good question. I'm trying to find the answer to this myself - meaning the chapter and verse.

 

However, even if pre-2004 charges aren't caught by MCOB, they are still invalid under UTCCR - without a doubt.

 

The FSA has said that they are unfair under MCOB so if they are unfair under MCOB then they are unfair - period, end of story.

They are not core revenue as per the test case - therefore they are subject to UTCCR. Therefore you can claim them back to 1995 - plus restitutionary damages.

 

Do not accept anything less than restitutionary damages.

 

Do not accept confidentiality.

 

One of our users is in negotiations with two lenders right at the moment. They have already surrendered confidentiality and we will be posting the entire story on this forum in the next month or so.

 

Stick to your guns. Mortgage arrears charges are dead and they are recoverable.

Link to post
Share on other sites

Yes, it applies to second charge mortgage charges- which are also invalid under UTCCR, anyway.

Link to post
Share on other sites

  • 2 months later...

Reading these threads is interesting....GE Home Lending have not been very helpful to me over the past few years. I have now SOLD and are repaying their loan hopefully this month. However, there are a large sum of charges and interest [ nearly 20k ] and I have a breakdown. Are these charges unlawful? They all seem to be legal related to when I was in arrears and also arrears charges. Can I do anything about them ? Any advice would be appreciated.

Link to post
Share on other sites

I am waiting for end of month when the contracts exchange for my sale when I will be mortage free then claimthe charges they even had the gall to charge nearly 300 quid to move a dd date 4 days :jaw:

Link to post
Share on other sites

I have received advice from a solicitor today who has said that mortgage charges are comletely legal and fair

 

He's talking out of his hat.

 

Did you pay him for that advice?

Link to post
Share on other sites

Just wondering if my GE Money Holiday Ownership Loan (Under the Home Lending) is unenforceable as looking at the credit agreement both mine and my wifes incomes are wrong.

Edited by Woolie75
Wanted to start my own thread but am unsure how. Please help anyone.
Link to post
Share on other sites

  • 2 months later...

Hi george - what happened with your case - any updates? ive got a problem GE matter too so i wondered what the court said about it all - i didnt think they could take you into court for charges alone - the judge should throw that out straight away

Link to post
Share on other sites

  • 2 weeks later...

yes, what happened, do let us know, many of us are also being repossessed by GE!

'rise like lions after slumber, in unvanquishable number, shake your chains to the earth like dew, which in sleep had fall'n on you, ye are many, they are few.' Percy Byshse Shelly 1819

Link to post
Share on other sites

  • 1 month later...

Hello,

I will tell you what Ge has done to me I had a loan taken on 11/06/2007

For £40,000 Plus PPI £4,860. ( told I had to take or no loan ) Total was £45,360.00

which also included a £500 compilation charge.I cancelled PPI on the 5th Sept 2007 as I was paying of the full loan.The money I paid to GE to finish the loan was a total of £45,186.32 which my solicitor paid.I never received my PPI money ( Rebate of £4,455) GE took this on top of the £45,186.32.

When I fought to get this they said it was a broker I had to deal with now dissolved

.So I wrote to FSCS who would only award me £587.15 as they said I had already received £4,455.00 but I did not GE STOLE this.

I am still trying to get it back with no successes to date.

 

 

Read more at: PPI Insurance Rebate - G E Money - Legal seagulls Consumer Forum

Link to post
Share on other sites

that is so sad, but do keep fighting!! I am still fighting and seek my rights under law. there is such a thing as 'natural justice' too.

'rise like lions after slumber, in unvanquishable number, shake your chains to the earth like dew, which in sleep had fall'n on you, ye are many, they are few.' Percy Byshse Shelly 1819

Link to post
Share on other sites

  • 2 weeks later...

I have read this thread with some interest. I Sold my property earlier this year after having a mortgage with GE for the last 10 years. I did go into an arrears situation and they kept adding charges, took me to court for possession and were generally pretty unhelpful, even though I communicated and they were fully aware that the house was worth well in excess of what I owed them. The additional charges ended up at over £ 20k.

 

Having read this thread, is there any action I could take now to recoup some of these charges? I am happy to speak to anyone on the telephone if available and have the statement of my account showing the charges taken and applied.

 

Thanks. Please come back to me

Link to post
Share on other sites

  • 10 months later...

May i ask any further news, im in court on Wednesday my loan to repay is 314.00, however they say i have arrears of £2400.00 which are all charges and interest, can anyone help, i want to defend myself, but need help.

Link to post
Share on other sites

yes, an update is of interest. my effort for justice is merely on hold...............

'rise like lions after slumber, in unvanquishable number, shake your chains to the earth like dew, which in sleep had fall'n on you, ye are many, they are few.' Percy Byshse Shelly 1819

Link to post
Share on other sites

  • 2 weeks later...
  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...