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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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    • PCNWarrior
      PCN - MFG - ESSO COBHAM - GRAVESEND

      By PCNWarrior · Posted

      I have received a PCN from Euro Car Parks for MFG - Esso Cobham - Gravesend. I was completely unaware that there was any such limit for parking and always considered this to be a service station. I stopped there to use the toilet, have a coffee and made a couple of work calls. I have read the previous topics on this location which suggest I can ignore this and ECP will not take legal action. The one possible complication is that the vehicle is leased by my employer so I do not want to involve them with the associated reminders and threatening letters. The PCN was first issued to the leasing company Arval who have notified ECP of the hiring company. I have attached a copy of the PCN Notice to Hirer with details removed as per instructions. What options do I have or should I just pay the PCN promptly at the reduced rate of £60? img20240424_23142631.pdf
    • FTMDave
      PARKING FINE STANTED AIRPORT MCDONALDS

      By FTMDave · Posted

      What you have uploaded is a letter with daft empty threats from third-party paper tigers.  Just ignore it. What we need to see is the original invoice you received last October or November.
    • gmlmonika
      PARKING FINE STANTED AIRPORT MCDONALDS

      By gmlmonika · Posted

      TERMINAL NOTICE.pdf
    • gmlmonika
      PARKING FINE STANTED AIRPORT MCDONALDS

      By gmlmonika · Posted

      Please find attached 
    • lookinforinfo
      NPC ANPR PCN Claimform - Taxi - Appealed - No Parking Or Waiting At Anytime - St Thomas Hospital, London, Se1 7eh.

      By lookinforinfo · Posted

      Thanks for posting the CPR contents. i do wish you hadn't blanked out the dates and times since at times they can be relevant . Can you please repost including times and dates. They say that they sent a copy of  the original  PCN that they sent to the Hirer  along with your hire agreement documents. Did you receive them and if so can you please upload the original PCN without erasing dates and times. If they did include  all the paperwork they said, then that PCN is pretty near compliant except for their error with the discount time. In the Act it isn't actually specified but to offer a discount for 14 days from the OFFENCE is a joke. the offence occurred probably a couple of months prior to you receiving your Notice to Hirer.  Also the words in parentheses n the Act have been missed off. Section 14 [5][c] (c)warn the hirer that if, after the period of 21 days beginning with the day after that on which the notice to hirer is given, the amount of unpaid parking charges referred to in the notice to keeper under paragraph 8(2)(f) or 9(2)(f) (as the case may be) has not been paid in full, the creditor will (if any applicable requirements are met) have the right to recover from the hirer so much of that amount as remains unpaid; Though it states "if any applicable ...." as opposed to "if all applicable......" in Section 8 or 9. Maybe the Site could explain what the difference between the two terms mean if there is a difference. Also on your claim form they keeper referring to you as the driver or the keeper.  You are the Hirer and only the Hirer is responsible for the charge EVEN IF THEY WEREN'T THE DRIVER. So they cannot pursue the driver and nowhere in the Hirer section of the Act is the hirer ever named as the keeper so NPC are pursuing the wrong person.  

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      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.

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      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 arrears

janis6670

By janis6670
in Mortgages and Secured Loans

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janis6670

janis6670

Posted
  • Author
Posted

Could someone please advise me regarding ? excessive charges and interset charged by GE money home lending. I do have significant arrears which i am trying to address, but GE continue to levy this ridiculous £40 per month arrears charge. Apart from this there are legal fees, interest and other seemingly random amounts added. I recently avoided repossession due to the Supreme Court Ruling and their action was deemed as not competant. I want to get some kind of order in my life but am constantly thwarted by GE.

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BankFodder

BankFodder

Posted
Posted

We believe that they are unfair and recoverable.

Read this and also follow the links to understand why

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acerbic

acerbic

Posted
Posted

http://www.consumeractiongroup.co.uk/forum/showthread.php?296108-Hot-news-for-anyone-who-has-suffered-mortgage-arrears-charges-irresponsible-lending-or-other-unfair-lender-conduct

 

This is the link, then read the FSA links after that.

I have had personal dealings in the areas I comment on, however, I am not a lawyer. Any advice I give is without prejudice and is merely my opinion based on the information I have gleaned from my experiences, understanding and interpretation of the law. You should always seek the advice of a qualified legal professional.

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  • 3 months later...
janis6670

janis6670

Posted
  • Author
Posted

I have had arrears for a long time on my mortgage with ge. Last year I narrowly avoided repossession, helped by the Supreme Court decision.

Since then I have been paying £1000 pcm which covers my payment and a little towards the arrears.

I have written repeatedly regarding the charges and additional interset applied with no success.

This arrangement has never even been agreed to by GE.

 

Today I have had aletter from the Customer solutions team asking me for a full months bank statement so that they

can see why I canot afford my contribution and so they can look at restructuring my mortgage.

any advice would be appreciated.

thanx:roll:

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Killerschick

Killerschick

Posted
Posted

Hi Janis,

 

It's not entirely clear what you're asking here which is maybe why you haven't had a response.

 

You are currently paying in excess of your contractual payments but this is not an arrangement that has been agreed by GE. Is this the amount required under a suspended possession order? Or is it just an ad hoc arrangement by which you pay £1000 without any particular basis for it?

 

If the arrangement has not been agreed by GE they are likely to be adding monthly charges to your account so it would be wise to get the arrangement on a more formal footing to avoid this. You can either go back to court and apply to vary any possession order that has previously been granted in which case you will need to present your financial position to the court to prove that the amount you are offering is reasonable in that you can afford it and that you cannot afford more. There will be a court fee for this and if GE send someone to the hearing they will more than likely add costs to your account so it could be an expensive way to resolve matters.

 

Alternatively you can negotiate with GE and it sounds like they are willing to consider options from what you have said. Perhaps you are seeking advice on whether you have to send them your bank statement and the answer is 'no' but equally they don't have to refrain from taking possession of your property if they have an outright order or you are paying less than you should under any suspended possession order, so a bit of give and take is probably a good way to go. They will want to see your bank statement to see that you are not paying unsecured credit in preference to the mortgage/secured loan or spending all your money in an inappropriate way such as gambling (I am in no way suggesting you might be doing anything of this nature but as someone who has in the past worked for both mortgage companies and the CAB, I've seen all sorts!). I would advocate communicating with GE but others may have a different view and recommend doing everything through the courts, ultimately it's your decision. If you can agree an arrangement with them and maintain it, then they should (according to the tariff of charges published on their website) waive the monthly arrears fee of £40.00. They probably won't waive or reduce interest as it's a secured loan and it's pretty uncommon for secured lenders to waive or reduce interest in general.

 

I hope this helps address the issues you have, but if there's anything specific you may get more of a response if you ask more specific questions.

 

KC

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  • 6 months later...
Rocco17

Rocco17

Posted
Posted

They can extend the term, they might let you switch to interest only for a while, they might let you have a payment holiday (doubt many do this these days).

 

Its likely they would set up an arrangement to get you to clear the arrears over a set period though.

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janis6670

janis6670

Posted
  • Author
Posted

Any idea how to negotiate a restructuring of my arrears with this company in writing. I am always being advised to keep things in writing but I have twice nearly achieved restructuring but they absolutely insist on telephone contact. I am really not confident on the phone and will readily agree to anything in writng.

Please help

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sleepingdog

sleepingdog

Posted
Posted

Hi jannis6670 , the help varies a lot dependant on the mortgage company, amount of arrears and whether or not you have keep to or defaulted on arrangements in the past. Try posting up some basic information such as mortgage company , approx amount of arrears and how long you are behind and I am sure help will be offered from posters on this site.

good luck ,sleepingdog

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  • 1 month later...
Rorschach

Rorschach

Posted
Posted
DO NOT phone.the reason being they record everything. All it takes is a sly devious person who tricks you into saying something (anything)that could be regarded as an agreement etc. Insist on paper copies both for YOU and them.This is also your proof so its important.....

Nonsense. They want you to phone as they will want to go through a full review of your finances to discuss what is realistic and affordable. Do you think a call centre worker has the time at the end of the shift to sit and listen to the 100s of calls they took that day. This is just paranoia.

That said. you are entitled to put your offer in writing. If you want to do this, why not just call them and if you don't want to discuss anything just ask exactly what info they would need in the letter? An I&E would be a start.

GE Money will neogtiate a plan which would run up to the end of the term of the loan, but this doesn't means they will accept this if you can afford more. Remember, its better for you to pay as quickly as possible.

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gemspan

gemspan

Posted
Posted

Rorschach, it is not the call centre worker that screens the calls...it's the management. If you agree to something on the phone because you feel pressurised then that "could" be held against you. It is just as easy to complete an I&E in writing as it is on the telephone and, to be perfectly honest, I think this is the best way to do it because you can take the time to get it right...not just make up figures under pressure to answer when a question is put to you. This response is therefore not "nonsense".

 

I would like to ask what your background is please? You appear to have been giving a lot of contradictory information over a few threads. I would be interested to discover your qualifications and background. Thank you.

 

Gemspan

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Rorschach

Rorschach

Posted
Posted

Oh I'm just a bloke down the pub. Ignore me.

Your right. Every single one of the thousands of people working in finance in this country are out to screw you. And if you do have to call them make sure you put tin foil in your head so the aliens can't hear you.

Background, er 25 years working for mortgage companies, regulatory agencies and advice centres.

Don't bother replying, I won't read it.

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  • 2 weeks later...
iconoclash

iconoclash

Posted
Posted

Hi - yes always do everything in writing - I have years of experience of these type of calls and have had to get the transcripts of calls to settle arguments about who had said what and what was agreed to. The consumer should not be forced into such time wasting stressful dealings. Without consumers, that's customers, some people wouldnt have jobs at all.

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  • 9 months later...
janis6670

janis6670

Posted
  • Author
Posted

Do I have a legal right to request that I deal with creditors in writng only.

I am trying to set up a repayment plan but GE keep just writing back to me asking that I call their office to do so.

I keep writing back reiterating my offer

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BankFodder

BankFodder

Posted
Posted

Absolutely. Deal in writing. Write and tell them that you don't trust them. Tell them that if they don't want to write then they should go and do the other thing.

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Conniff

Conniff

Posted
Posted

Nicely put lol.

 

In your next letter ask them for their account number and sort code and that no further correspondence will be entered into. If you already have these details, then just make a standing order with the amount you can afford.

 

If you call their office, they will try to get your debit card details or set up a direct debit both of which gives them control over your bank account and the amount they take.

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  • 3 weeks later...
janis6670

janis6670

Posted
  • Author
Posted

Well I wrote and asked that they respect my decision and my right to deal only in writing. I set out exactly what my plans for repayment are and explained that I had set up a standing order. Guess what! At 8.55pm this evening I have had a call asking me if it is a convenient time to talk. I declined!!!

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