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    • Thanks for all the suggestions so far I will amend original WS and send again for review.  While looking at my post at very beginning when I submitted photos of signs around the car park I noticed that it says 5 hours maximum stay while the signage sent by solicitor shows 4 hours maximum stay but mine is related to electric bay abuse not sure if this can be of any use in WS.
    • Not sure what to make of that or what it means for me, I was just about to head to my kip and it's a bit too late for legalise. When is the "expenditure occured"?  When they start spending money to write to me?  Or is this a bad thing (as "harsh" would imply)? When all is said and done, I do not have two beans to rub together, we rent our home and EVERYTHING of value has been purchased by and is in my wife's name and we are not financially linked in any way.  So at least if I can't escape my fate I can at least know that they will get sweet FA from me anyway   edit:  ah.. Sophia Harrison: Time bar decision tough on claimants WWW.SCOTTISHLEGAL.COM Time bar is a very complex area of law in Scotland relating to the period in which a claim for breach of duty can be pursued. The Scottish government...   This explains it like I am 5.  So, a good thing then because creditors clearly know they have suffered a loss the minute I stop paying them, this is why it is "harsh" (for them, not me)? Am I understanding this correctly?  
    • urm......exactly what you filed .....read it carefully... it puts them to strict proof to prove the debt is enforceable, so thus 'holds' their claim till they coughup or not and discontinue. you need to get readingthose threads i posted so you understand. then you'll know whats maybe next how to react or not and whats after that. 5-10 threads a day INHO. dont ever do anything without checking here 1st.
    • I've done a new version including LFI's suggestions.  I've also change the order to put your strongest arguments first.  Where possible the changes are in red.  The numbering is obviously knackered.  See what you think. Background  1.1  The Defendant received the Parking Charge Notice (PCN) on the 06th of November 2020 following the vehicle being parked at Arla Old Dairy, South Ruislip on the 05th of December 2019.  Unfair PCN  4.1  On XXXXX the Defendant sent the Claimant's solicitors a CPR request.  As shown in Exhibit 1 (pages 7-13) the solicitors helpfully sent photos of 46 signs in their evidence all clearly showing a £60.00 parking charge notice (which will  be reduced if paid promptly).  There can be no room for doubt here - there are 46 signs produced in the Claimant's own evidence. 4.2  Yet the PCN affixed to the vehicle was for a £100.00 parking charge notice (reduced if paid promptly).  The reminder letters from the Claimant again all demanded £100. 4.3        The Claimant relies on signage to create a contract.  It is unlawful for the Claimant to write that the charge is £60 on their signs and then send demands for £100.   4.4        The unlawful £100 charge is also the basis for the Claimant's Particulars of Claim. No Locus Standi 2.1  I do not believe a contract exists with the landowner that gives MET Parking Services a right to bring claims in their own name. Definition of “Relevant contract” from the Protection of Freedoms Act 2012, Schedule 4,  2 [1] means a contract Including a contract arising only when the vehicle was parked on the relevant land between the driver and a person who is-  (a) the owner or occupier of the land; or  (b) Authorised, under or by virtue of arrangements made by the owner or occupier of the land, to enter into a contract with the driver requiring the payment of parking charges in respect of the parking of the vehicle on the land. According to https://www.legislation.gov.uk/ukpga/2006/46/section/44  For a contract to be valid, it requires a director from each company to sign and then two independent witnesses must confirm those signatures.  2.2  The Defendant requested to see such a contract in the CPR request.  The contract produced was largely illegible and heavily redacted, and the fact that it contained no witness signatures present means the contract has not been validly executed. Therefore, there can be no contract established between MET Parking Services and the motorist. Even if “No Parking in Electric Bay” could form a contract (which it cannot), it is immaterial. There is no valid contract. Illegal Conduct – No Contract Formed  3.1 At the time of writing, the Claimant has failed to provide proof of planning permission granted for signage etc under the Town and Country Planning Act 1990. Lack of planning permission is a criminal offence under this Act and no contract can be formed where criminality is involved.  3.4        I also do not believe the claimant possesses this document.  No Keeper Liability  5.1        The defendant was not the driver at the time and date mentioned in the PCN and the claimant has not established keeper liability under schedule 4 of the PoFA 2012. In this matter, the defendant puts it to the claimant to produce strict proof as to who was driving at the time.  5.2 The claimant in their Notice To Keeper also failed to comply with PoFA 2012 Schedule 4 section 9[2][f] while mentioning “the right to recover from the keeper so much of that parking charge as remains unpaid” where they did not include statement “(if all the applicable conditions under this Schedule are met)”.    5.3        The claimant did not mention the parking period instead only mentioned time 20:25 which is not sufficient to qualify as a parking period.   Protection of Freedoms Act 2012  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; 22. In the persuasive judgement K4GF167G - Premier Park Ltd v Mr Mathur - Horsham County Court – 5 January 2024 it was on this very point that the judge dismissed this claim. 5.4  A the PCN does not comply with the Act the Defendant as keeper is not liable. Interest 6.2  It is unreasonable for the Claimant to delay litigation for four years in order to add excessive interest. Double Recovery  7.1  The claim is littered with made-up charges. 7.2  As noted above, the Claimant's signs state a £60 charge yet their PCN is for £100. 7.3  As well as the £100 parking charge, the Claimant seeks recovery of an additional £70.  This is simply a poor attempt to circumvent the legal costs cap at small claims. 29. Since 2019, many County Courts have considered claims in excess of £100 to be an abuse of process leading to them being struck out ab initio. An example, in the Caernarfon Court in VCS v Davies, case No. FTQZ4W28 on 4th September 2019, District Judge Jones-Evans stated “Upon it being recorded that District Judge Jones- Evans has over a very significant period of time warned advocates (...) in many cases of this nature before this court that their claim for £60 is unenforceable in law and is an abuse of process and is nothing more than a poor attempt to go behind the decision of the Supreme Court v Beavis which inter alia decided that a figure of £160 as a global sum claimed in this case would be a penalty and not a genuine pre-estimate of loss and therefore unenforceable in law and if the practise continued, he would treat all cases as a claim for £160 and therefore a penalty and unenforceable in law it is hereby declared (…) the claim is struck out and declared to be wholly without merit and an abuse of process.” 30. In Claim Nos. F0DP806M and F0DP201T, District Judge Taylor echoed earlier General Judgment or Orders of District Judge Grand, stating ''It is ordered that the claim is struck out as an abuse of process. The claim contains a substantial charge additional to the parking charge which it is alleged the Defendant contracted to pay. This additional charge is not recoverable under the Protection of Freedoms Act 2012, Schedule 4 nor with reference to the judgment in Parking Eye v Beavis. It is an abuse of process from the Claimant to issue a knowingly inflated claim for an additional sum which it is not entitled to recover. This order has been made by the court of its own initiative without a hearing pursuant to CPR Rule 3.3(4)) of the Civil Procedure Rules 1998...'' 31. In the persuasive case of G4QZ465V - Excel Parking Services Ltd v Wilkinson – Bradford County Court -2 July 2020 (Exhibit 2) the judge had decided that Excel had won. However, due to Excel adding on the £60 the Judge dismissed the case. 7.7        The addition of costs not previously specified on signage are also in breach of the Consumer Rights Act 2015, Schedule 2, specifically paras 6, 10 and 14.  7.8        It is the Defendant’s position that the Claimant in this case has knowingly submitted inflated costs and thus the entire claim should be similarly struck out in accordance with Civil Procedure Rule 3.3(4).  In Conclusion  8.1        I invite the court to dismiss the claim. Statement of Truth I believe that the facts stated in this witness statement are true. I understand that proceedings for contempt of court may be brought against anyone who makes, or causes to be made, a false statement in a document verified by a statement of truth without an honest belief in its truth. 
    • Scottish time bar: Scottish appeal court re-affirms the “harsh” rule (cms-lawnow.com)  
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Reclaiming Arrears Charges from GE Money Home Lending


ims21
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Hi All

 

I am currently getting help with Repo action in the Repo forum and am now starting in this forum to get some assistance with claiming back my arrears charges.

 

I think CAG is excellent as there are so many people who don't know what their rights are.

 

Having read the board extensively and made a start in using it, I feel empowered to take on these "big Guns".

 

So, I am going after GE for the charges etc on the arrears of my mortgage which is now being sorted out.

 

Can I just check a couple of things please....

 

First, my starting point should be to send a SAR to GE with the appopriate postal order for £10 and see what comes back.

 

Second, go through the information they provide together with my statements etc to establish the exact amount of charges etc.

 

Third, use the templates available on this site (amended appropriately for my circumstances) to file the claim at court.

 

Fourth, attend the hearing, put arguements and see what the Judge says.

 

Just a couple of points to clarify if I may.

 

1 - Is it just the charges (e.g. £25 DD Failure, £40 Admin etc) which can be claimed back or does the extra interest added to the account form part of the claim as well?

 

2 - I gather that I can ask for interest at, I believe 8% on top of the amount claimed? If so, what is the easiest way of calculating the interest? the interest due on a £40 charge from, say 4 years ago is a lot more than the interest on a £40 charge from 1 year ago.

 

3 - I have seen mention of restitutional damages being claimed. Is this another term for the interest or is it a completely different item? If the latter, how is this calculated please?

 

In some strange way I'm looking forward to taking them on (I don't know why or maybe I shouldn't be looking forward to it). Is this what empowerment feels like?

 

Thanks in advance for any answers you can give me and I will post the progress of my claim for others to follow.

 

Kind regards to all

 

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Yes, start off by sending the SAR.

 

Start reading and understanding - especially this article and the linked documents:- http://www.consumeractiongroup.co.uk/forum/content.php?700-Hot-news-for-anyone-who-has-suffered-mortgage-arrears-charges-irresponsible-lending-or-other-unfair-lender-conduct

 

you can claim the interest which they took from you in relation to the charges plus interest on the whole lot.

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Don't see them as Big Guns.

 

They aren't. They are a company which acts unfairly and which tends to get away with it.

 

You'll see. As soon as you issue your claim, they will start offering you the money to avoid going to court.

 

Read this as well:- http://www.consumeractiongroup.co.uk/forum/content.php?718-Customer-Service-or-County-Court

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Hi

 

I'd like to get going with this SAR but could you point me in the direction of the correct letter template to use in this case. There are a few on the site and I don't know which one is appropriate.

 

 

Also, I am doing this to my current lender and I have read that this could cause problems in the future if I get into difficulty again. Does this really matter as the courts appear to be behind you if what you are requesting is reasonable and equitable?

 

I feel that these companies should be coughing up unlawful charges.

 

Thanks

 

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Hi

As there isn't a dedicated SAR for what you require, why not use both of the templates in section 2 HERE

See if you can use parts of each.

 

The first SAR is a more comprehensive one but you will need to edit out bits (like 3 True copies of any notice of assignment and default notices or enforcement notice that you/or name of the original creditor sent me, with a copy of any proof of postage that you hold.) if it is still with the original creditor.

 

Someone else may come up with a better one and I'll have a look too

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

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Just subbing in-

 

ims21: It's a good idea to use a postal order for your SAR also send it recorded delivery :-) both can be tracked online..Good Luck!

Donate to keep this site open

 

Any help or advice is offered as just that, help and advice without any liability. If in doubt consult a legal expert or CAB.

 

Make Cash Flow Forecast

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  • 1 month later...

Hello all im new to this thread,im at the beginning stages of reclaiming my arrears fees,brokerage fees and unfair charges fees back from ge money i have been with them for 5 years and have had repossesion action from them 3 times i have struggled to pay from the onset but have managed to clear the arrears then get myself back in a hole with it,i am just starting to slowly climb out of it and can now see light at the end of the tunnel.A few days ago i learned i can claim back all there exstortunate charges against me is this true?? if so it runs into thousands and the charges fees are part of the reason i am in the mess i am in... i GO TO BED THINKING ABOUT P[AYING MY MORTGAGE AND WAKE UP THINKING THE SAME THING MORE THAN HALF MY WAGES GOS ON PAYING MY MORTGAGE AND THE ARREARS FEES IM IN A MESS WITH COUNCIL TAX BECAUSE OF IT I contacted ge money and requested a full statement of all my fees and charges from day one which they said they will send to me im hoping i can get this all back,but i really dont know how to go about it properly,if you good people could help me out i would very much appreciate it,first of all....

What is classed as unfair regarding arrears interest fees?

once i get the statement how do i go about telling them i want my money back?

I have always been scared to challenge them before as keeping a roof over our heads has been my main priority and didnt want to pi** them off but im tired of pleading with them and leting them f**k me over just so i can keep this house.....I CANT WAIT TO GET THE BALL ROLLING WITH THIS ANY HELP WOULD BE MUCH APPRECIATED!!!!

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Hi Stronger, Welcome! Have you got all your statements to hand? If not then you need to request them with an SAR. Have a good read around this forum and get a feel for how it works.

Donate to keep this site open

 

Any help or advice is offered as just that, help and advice without any liability. If in doubt consult a legal expert or CAB.

 

Make Cash Flow Forecast

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Hi nevo im just awaiting a full statement from ge money from when my mortgage commenced with them ,so i can check all the charges thanks the advice this forum is really helpful its also heartning to hear many people taking on ge money and winning its about time.

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Hi Stronger, Thanks for your post: Just remember, you can't claim any solicitors charges but, late payment, returned DD's and default charges you can. If you send an SAR you can also get phone records but, you need to know the number you called on, date and time of call, so if anyone speaks to them make sure you keep the record or even record the conversation same as they do! Cheers.

Donate to keep this site open

 

Any help or advice is offered as just that, help and advice without any liability. If in doubt consult a legal expert or CAB.

 

Make Cash Flow Forecast

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Hi nevo i have my full statements,how do i go about asking GE fro my money back i telephoned them today and asked do they still charge interest on arrears once a payment plan is in place they stated they do,this is unfair according to the FSA right ?

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hi nevo just going through my statement preparing my letter to claim all unfair moneys taken from me can i claim for additional interest charges? because my interset is charged monthly isnt that one of the things the fsa were trying to stop? anyway else out there who also has any advice/help to pffer id be grateful

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Hi Stronger, You need to go through all the statements and list the individual charges.

 

If you visit the library on CAG you will find the simple spread sheet, this has all the calculations in place for standard s69 interest..

Download the file it's in Microsoft Excel. This was my starting point..

 

you will understand it once you open the file just change the info to suit your individual charges..

 

You might request later restitionary interest but, for now use the simple charges.

 

Please note: Don't include any solicitors fees, default charge, late payment charges, bounced direct debits charge.. There should be a prelim letter for requesting your charges back, if you have a problem just shout..

 

There is a sequence to follow i.e. Once you know the extent of the charges then, send a prelim with a summary of the charges (don't include interest at this stage). After this and you receive a standard letter back you will send an LBA ( Letter Before Action) giving them 14 days or your going to file a claim in the County Court. These guys play hard ball and use a specialist firm of solicitors so, keep your nerve! Take care..

 

PS: It's a good idea to start your own thread no offence but, you will get more helpers..

Donate to keep this site open

 

Any help or advice is offered as just that, help and advice without any liability. If in doubt consult a legal expert or CAB.

 

Make Cash Flow Forecast

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  • 1 month later...
Hi Stronger, You need to go through all the statements and list the individual charges.

 

If you visit the library on CAG you will find the simple spread sheet, this has all the calculations in place for standard s69 interest..

Download the file it's in Microsoft Excel. This was my starting point..

 

you will understand it once you open the file just change the info to suit your individual charges..

 

You might request later restitionary interest but, for now use the simple charges.

 

Please note: Don't include any solicitors fees, default charge, late payment charges, bounced direct debits charge.. There should be a prelim letter for requesting your charges back, if you have a problem just shout..

 

There is a sequence to follow i.e. Once you know the extent of the charges then, send a prelim with a summary of the charges (don't include interest at this stage). After this and you receive a standard letter back you will send an LBA ( Letter Before Action) giving them 14 days or your going to file a claim in the County Court. These guys play hard ball and use a specialist firm of solicitors so, keep your nerve! Take care..

 

PS: It's a good idea to start your own thread no offence but, you will get more helpers..

 

 

 

 

 

Hi Nevos just to let you know i took GE on using all the advice you gave me and the letter template,they have offered to repay all the admin fees and additional which was charged to my account on top of these and refunding unpaid direct debit fees....totalling 1500 JUST WANT TO SAY THANK YOU SO MUCH FOR ALL YOUR HELP AND SUPPORT :wink:

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good for yiou I,m with these clowns also and hopefully by EOM ill be without them for good (moving and ending up mortgae freee. ) I managed initiallyh to get some of the charges reversed and in all 200 comp from them due to thier errors but they are beginning to add charges back on the best one is nyon 400 for changing a direct debit dater a few days forward I will also look to get the rest of the charges back funny how a 94,000 morgage (interest only) asnd as a redemoption figure of nearly 100,000 they want . at most I think without the rest of the charges in reality when I calculated everything (should be no early repayment as it has run its course) i should be paying back only 97,000 I have heard stories of them if cornered and paid what you think you owe when turning the mortgage in they refuse to release the deeds causing no end of mysery for the new owners any thaughts ?????

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  • 6 months later...
  • 1 year later...

Any updates on relcaiming charges from GE Money.I'm about to attempt to reclaim their ridiculous £40 "arrears" charges.can anyone point me in the direction of a good spreadsheet that calculates the interest for me??

jaxads

 

Halifax - £2281, successfully refunded all charges after LBA letter & telephone call.

Have been offered the difference between the £20 and £12 charges from Capital One -- am sending LBA for remainder.

GE Money - Received settlement of £441, being total charges requested. No interest though.

CCA'd Bank of Scotland / Blair Oliver Scott to produce CCA Agreements on two Credit Cards - well in default, although still chasing payment!!!

EOS Solutions "ceased action on account" on behalf of a friend.

 

All in all, quite busy at the moment and enjoying every minute of it
:eek:

 

 

 

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Any updates on relcaiming charges from GE Money.I'm about to attempt to reclaim their ridiculous £40 "arrears" charges.can anyone point me in the direction of a good spreadsheet that calculates the interest for me??

 

Yes you can get GE to refund those charges and the interest charged as a result.

 

You would be best to start your own thread on this and we can give you help there.

 

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  • 5 weeks later...

Hi ims21did you ever get your charges back from GE. I've a separate thread I've just started, but wondered how you got on.

jaxads

 

Halifax - £2281, successfully refunded all charges after LBA letter & telephone call.

Have been offered the difference between the £20 and £12 charges from Capital One -- am sending LBA for remainder.

GE Money - Received settlement of £441, being total charges requested. No interest though.

CCA'd Bank of Scotland / Blair Oliver Scott to produce CCA Agreements on two Credit Cards - well in default, although still chasing payment!!!

EOS Solutions "ceased action on account" on behalf of a friend.

 

All in all, quite busy at the moment and enjoying every minute of it
:eek:

 

 

 

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