Jump to content


  • Tweets

  • Posts

    • @dx100uk Well my pro-rata offer is minus at the moment lol so I will look to modify it and offer the £1 token payment. Is that the right move? At the end of the day both they and I know that you can't get blood out of a stone and I am a stone currently   Thanks again sir
    • Hi, yes this is the same sort of response I keep getting about this. Yes so it asked for the registration number of the car, and this was inputted correctly. It’s then “found” the brand and type of car “Kia carens 1.6” etc and then came up with the “Recommended” list we then selected the tyres from. I have checked it since we bought them and the same tyre still comes up. In response to the lady above where we “assumed” we did assume the tyres would be correct in the list so didn’t see any need to ring to confirm if you see what I mean. We did try ringing the company but they were unwilling to provide information of supervisor. It seems like the company isn’t going to do anything about this.. 😕
    • They are all actually your interpretations, and nothing more than incorrect assumptions and extreme misrepresentations (at best) of mine (and thats being kind)  
    • pop up on the MCOL website detailed on the claimform. [if mcol is not working return after the w/end or the next day if week time] .  register as an individual  note the long gateway number given  then log in .  select respond to a claim and select the start AOS box. .  then using the details required from the claimform .  defend all  leave jurisdiction unticked  you DO NOT file a defence at this time  click thru to the end  confirm and exit MCOL. . .  get a CCA Request running to the claimant https://www.consumeractiongroup.co.uk/topic/332502-cca-request-consumer-credit-act-1974-updated-january-2015/  leave the £1PO blank and uncrossed . .  get a CPR 31:14 request running to the solicitors [if one is not listed send to the claimant] . . https://www.consumeractiongroup.co.uk/topic/332546-legal-cpr-3114-request-request-for-information-when-a-claim-has-been-issued/ . . type your name ONLY no need to sign anything . you DO NOT await the return of paperwork. you MUST file a defence regardless by day 33 from the date on the claimform [1 in the count]  
    • Hello   Thank you for your response, I think I have done this right. My responses are in bold    Name of the Claimant ?  Merligen Investments LTD    Date of issue –   12/11/2019        Particulars of Claim     What is the claim for –  1. The defendant owes the claimant £209.79 under the a regulated agreement with Studio Retails T/A Ace dated 16/10/2015 and which was assigned to the claimant on 19/07/2017 (debt)   2. Despite formal demand for payment of the debt the defendant has failed to pay   and the claimant claims £209.79 and further claims interest thereon pursuant to section 69 of the county courtact 1984 Limited to one year to the date hereof at the rate ot 8.00% per annum amounting to £16.78    What is the total value of the claim? £301.57     Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC ( Pre Action Protocol) ? No    Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? No    Did you inform the claimant of your change of address? no    Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? cat debt    When did you enter into the original agreement before or after April 2007 ? no   Do you recall how you entered into the agreement...On line /In branch/By post ? Online     Is the debt showing on your credit reference files (Experian/ Equifax /Etc...) ? No    Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim.  Debt purchaser    Were you aware the account had been assigned – did you receive a Notice of Assignment? No not received any correspondence apart from a couple of recent Text messages and in all honesty I thought it was a [problem]    Did you receive a Default Notice from the original creditor? No     Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ? No Nothing     Why did you cease payments?  About 3 years ago     What was the date of your last payment? Can’t remember     Was there a dispute with the original creditor that remains unresolved? No dispute     Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan?  no          
  • Our picks

STEEKO00

Ge Money and Link Financial

style="text-align:center;"> Please note that this topic has not had any new posts for the last 2338 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

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

Share this post


Link to post
Share on other sites

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 

 

Share this post


Link to post
Share on other sites

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 .

Share this post


Link to post
Share on other sites

Thanks guys

 

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

Share this post


Link to post
Share on other sites

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

Share this post


Link to post
Share on other sites

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?

Share this post


Link to post
Share on other sites

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 

 

Share this post


Link to post
Share on other sites

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

Share this post


Link to post
Share on other sites

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 

 

Share this post


Link to post
Share on other sites

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:

Share this post


Link to post
Share on other sites

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 

 

Share this post


Link to post
Share on other sites
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:

Share this post


Link to post
Share on other sites

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:

Share this post


Link to post
Share on other sites

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

Share this post


Link to post
Share on other sites

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 .

Share this post


Link to post
Share on other sites

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 .

Share this post


Link to post
Share on other sites

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

Share this post


Link to post
Share on other sites

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 

 

Share this post


Link to post
Share on other sites

I have 1,645.96 outstanding on this loan.

Edited by STEEKO00

Share this post


Link to post
Share on other sites
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:

Share this post


Link to post
Share on other sites

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 

 

Share this post


Link to post
Share on other sites
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

Share this post


Link to post
Share on other sites

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 .

Share this post


Link to post
Share on other sites

Thanks,

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

Edited by STEEKO00

Share this post


Link to post
Share on other sites

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:

Share this post


Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...