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    • Hi, I have the Sims 4 on Macbook. Over the last year I have paid for multiple add on packs spending a lot of money on them. I bought them all in good faith as my Mac met all the minimum requirements to play them. I have been playing happily for about a year and bought my latest pack just over a week ago. The games were all working fine yesterday. Then suddenly today EA released a new app to launch the games and this new app requires a MAC OS that my computer cannot use. Now suddenly none of my games are accessible and I am unable to play anything. They did not warn us about this change in requirements and if I had known they would be doing this I wouldn't have bought all these add ons as they are now all totally unusable. The games themselves have not changed, only their app to launch them and I can't afford to buy a brand new mac just to play. So my question is how can they change the minimum requirements after I have paid for a game? I agreed to pay for them based on the fact my mac met their requirements and was not informed when purchasing that this would be an issue in the future. I understand new games (like Sims 5 which is to be released next year) might not be compatible but this is a 10yr old game that they have suddenly made inaccessible due to their new launch app. Does anybody know if I can do anything or anyway to get a partial refund from them? Thanks   Here are their T&C... I can't find anything in there about them being able to do this so not sure what to do https://tos.ea.com/legalapp/WEBTERMS/US/en/PC/
    • OK. Thank you all for the input.  I'll ignore their letters of demand but NEVER ignore a letter of claim. I'm bracing myself for the stress as their demands £££ goes up and the case gets sent to debt collectors. 
    • OK.  It was worth a try. Their case is still pants and they have broken their own Code of Practice numerous times.
    • @BankFodder sorry for the delay and thank you for the lengthy reply. Yes, I agree. It's a small business and the guy is very very decent. I know someone else said my priority shouldn't be worrying whether he gets shafted but I'm not here to try and screw him over because I feel like if someone behaves decently and gets exploited, they might not behave so kindly in the future. I know DX mentioned he thinks I've caused the issue by leaving multiple instructions, but I have already explained why and both instructions were to leave it with a neighbour and there was nothing advising the driver to abandon the parcel on my doorstep. I don't think leaving it there could be considered a safe place.  I am still waiting on the retailer to respond. Ultimately, I wanted to know how he would proceed if DPD's response isn't favourable. I am certainly not looking to cause any problems. I just want my laptop. I will read the other posts for sure. I've been a bit preoccupied with family stuff. I have nothing in writing from DPD as I phoned them, but they did advise it should be the retailer that liaises with them. I tried contacting the driver straight after deliver via Whatsapp, as that's an option, but it said I couldn't send him a message and I have kept that log. We all know who took the parcel on our street, because that person has a history of parcel theft, but I don't have a doorbell camera or cctv. Police are refusing to intervene, despite the fact that I, along with several other people, spotted another's neighbour's parcel in said "suspect's" car and confronted her to get the parcel back. If the police had acted sooner, I might have had a better chance of getting the parcel back, but I suspect the laptop has long been sold on.  When the retailer responds, I will send him the link to this thread. Hopefully, he will benefit from the information on here as well.
    • @dx100uk none of the instructions advised them to leave the parcel on my door step and without such instructions., I'm struggling to see why they think it's ok to just dump it there.
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GE Money Home Lending - Taking Court action to recover charges


george_h
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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.

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

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  • 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.

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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:

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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?

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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.
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  • 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

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  • 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

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  • 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

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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

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  • 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

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  • 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.

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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

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