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    • In this type of managed block most of the owners/tenants have other places elsewhwere and only use them occasionally so the concierge service have keys to ensure the smooth running of the block. Now I would be tempted to fit an old fashioned lock as well as the swipe pass if you are there all fo the time (subject to any necessary permissions). after all, it is for your convenience, not theirs
    • No-one can represent you as far as the debt liability goes so the CAB might have given your creditors a sob strory but that is not a representation by you so means nothing as far as the SB clock goes. My mum could admit that I owe money to a creditor and offer to pay but there is no relationship between her and the creditor so whatever she said or did wouldnt chaneg that. Now bailiffs like to pile on the guilt in trying to get relative to cough up for debts that arent theirs but they dont get paid otherwise.
    • Well, if they're living and working then they wouldn't be taking any state benefits surely?  So I dont see any issue.   Of course, the universal wage for all would eradicate any ill feeling towards people, and this constant narrative that someone is taking something from someone.  That's my real issue with capitalism if we move on slightly - we're all on different levels of the pyramid and most people are constantly looking over their shoulder at what the person next to them has.  Tory's talk about labour indulging in the politics of envy, but it's actually the capitalist free market system they have created which fuels this hatred towards other people.  I think that capitalism promotes competition and as such envy plays a big role in every one of us because we're all competing with one another...  better house, better car, better this and that.   Ask yourself if you'd be worried about an immigrant taking what you perceive to be yours by rights if there wasn't a more level playing field and people were treated equally regardless of where they were born/skin colour/gender etc?  People can't seriously be happy living like this.. constantly mistrusting, looking over your shoulder, paranoid, angry...
    • Could be a conflict of interest but if a family owned co you are not likely to get anyone else. can be someone of the same level. in all my years involved in union activity I have never met a licensed union chairman so mehtinks that you would be better off seeking independent advice or speak to the current branch officers of the union that has recognition/representation . If the confusion shown in your posts is translated into the workplace grievance procedures you may well end up worse off than with a simple and coherent presentation of your case so get someone else to be with you, ideally someone with the authority to actually represent you or the managers will fiond it difficult to undershatnd what it is you want
    • The result of not attending is already known to you. They will continue and the no show will count against you and may be worthy of dismissal in itself As for handing in your notice- too late, they are not obliged to accept it when a disciplinary hearing  is in the offing.
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STEEKO00

Ge Money and Link Financial

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Hi,

 

What do I do now about LINK?

 

LINK have not supplied the original agreement and I've sent the account in dispute letter. I've stopped payments to LINK as what is outstanding on the debt appears to be the same amount added to the loan by unfair charges and PPI.

 

Steve

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you ignore them.

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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You do indeed and if they chase you then you write to them or whoever is chasing reminding them they are in breach of your s77-79 request. If they do finally send one someone needs to check if its enforceable. If they send a recon you can ask them if they hold the original.


Any opinion I give is from personal experience .

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Thanks guys

 

Just the GE Money charges/default to tackle now. I'll update this post when I eventually get a response from them.

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Hi Steve, a word of advice from someone in an identical position.

My PPI was sold through Crystal Windows, via CGU (now Aviva), who were not signed up to the code of conduct as its pre 2005.

 

FOS have had the claim for over 18 months and keep reiterating this in each regular update so I hold little hope of them resolving the issue, ever.

Link bought the debt and equally keep reminding me of my indebtedness to them.

 

Just thought you should be aware, especially if you're considering the FOS route and moreover the fact that Zenith are in administration.

As dx has stated your best option is through the courts.

 

One question for the CAG team. Does the PPI documentation fall within the "any document referred to in it" for the credit agreement itself?

I can prove it wasn't supplied with the executed agreement under section 62 or 63 of CCA 1974

 

Ric

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Hello,

 

Thanks for the advice re Zenith I'll see how that one goes...

 

Here is a reply from GE Money regarding the charges and default.

 

I cant see how Link are responsible for complaint against fees as GE Money applied the fees not Link....

 

And if the fees applied are unlawful then the default is incorrect, something they never explained in this letter ie what did they supply to the CFA's.

 

any advice?

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muppet

 

you are wquite correct

 

usual pathetic reply from anyone at GE

 

pass the buck

we are not responsible.

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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I hope you mean the guy from GE as 'Muppet'?

 

So is my only course of action for the unlawful charges/default the FOS?

 

Steve

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oh yes def that guy

they put the default on

they aRE responsible

 

I think you need to question why they think someone that 'inherits' a default are the ones to approach.


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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GE are ''working'' on the fact that is ''sale'' of the account to Link was an ''absolute assignment'' of ALL the rights, benefits an d obligations of the original account''.


Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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be funny to see link refund charges!!

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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be funny to see link refund charges!!

 

dx

Wouldn't it just:madgrin:


Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Wouldn't just:madgrin:


Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Thanks guys.

 

Just received the credit agreement from LINK (attached), All in order I think.... I will have to begin payments again as they seem to have the paperwork

 

Now do I send LINK the copy letter from GE Money explaining they are responsible for the unlawful charges along with the spreadsheet etc?

 

And the same time letter to GE Money requesting a copy of the default letter sent to me to see if they requested payment of the full amount including charges. I feel GE Money is a waste of time and should just go down the FOS route. What do you think?

 

attachment converted to pdf - dx

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I may be wrong but i thought they had to break down the interest into a charge for credit and a charge for PPI. Need someone to clarify that though


Any opinion I give is from personal experience .

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Looking at it all this morning it seems the APR may be wrong as well but you really need some expert advice on that as well.


Any opinion I give is from personal experience .

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Thanks, any of the team able to check this over for me?

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things of note....

you've been offered a discount

ppi reclaim £1187.77

charges reclaim £419.70

total.. £1607.47

agreement is pants.

no total repayable for the loan.

unenforceable.

 

what are link saying you owe?

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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I have 1,645.96 outstanding on this loan.

Edited by STEEKO00

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I have 1,645.96 outstanding lon this loan.

 

Must agree with Dxs statements here unen for sure.


Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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so that reclaims will wipe the debt.

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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so that reclaims will wipe the debt.

 

dx

 

Thanks

I'm dealing with Link who I'm sure wont give it up so easily.

What exactly is wrong with the agreement and how to I approach them with the problem?

I'm sure if I send them the two claims, ppi and charges, they'll just fob me off back to GE money

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I would be inclined to write to them and point out that the prescribed terms are missing and as such the account is unenforceable. Then wait and see what they come back with.

Was that all they sent or did they include terms and conditions etc.

 

Stick with the basics for now.


Any opinion I give is from personal experience .

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Thanks,

They only sent that form and a copy of the statement with payments ( and charges) made.

Edited by STEEKO00

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Listen to dx advice on reclaims!!!


Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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