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    • Did you take screenshots or anything of the descriptions that you gave? Do you have any evidence to support you say? In any event, you paid for the insurance, you declared the parts having given the descriptions and they accepted it all on that basis. You have begun the claim procedure yet so I suggest that you do so. We'll see what happens. In any event, it could be said that the various sections are contradictory. Parts relating to vehicles are containing three separate sections and it is relatively difficult to discern which section a particular part should come into. Section 69 of the consumer rights act relates to ambiguities and basically says that an ambiguity must be interpreted in favour of the consumer.  
    • I have booked a Hotel/Flights Package with the above paying a 10% deposit with the balance due a month before travel next August.   On looking at Cancellation Charges they virtually say 100% 84 days out plus.   According to the Package Travel and Linked Travel Arrangements regulations 2018 - termination fees have to be "Reasonable and Justifiable"   I find it hard to comprehend how last minutes charges could fall into the above description.   For example the hotel is available on Booking.com for our dates with no pre-payment and free cancellation up to the day before arrival.   I'm not sure of their arrangement with BA but the tickets we reserved have doubled in price in the last week and could easily be resold.   I can't find any anecdotal evidence or Court Cases relating to them trying to collect Cancellation Charges from people who have not already paid the full balance and cancel. If I were to cancel 8 months out is it likely they would pursue me for the remaining balance.    
    • Hi   Something else I think you need to ask the Insurer for Clarification on is.   That you require full clarification on which clauses within the Terms & Condition of the Policy they are using to refuse payment under the Policy.     I would also consider sending the Insurer a Subject Access Request simply asking for 'ALL DATA' this covers whatever format they hold it in whether it be email/telephone recording/written format etc. (note: if they require you to use their own subject access request form always put 'ALL DATA' on their form)    
    • matters not what they come up with it's statute barred      
    • Revised defence:   The Defendant contends that the particulars of claim vague and are generic in nature. The Defendant accordingly sets out its case below and relies on CPR r 16.5 (3) in relation to any particular allegation to which a specific response has not been made.   1. The Claimant claims £2247.91 is owed under a regulated consumer credit account under reference xxxxxxx. I do not recall the precise details or agreement and have sought verification from the claimant and the claimants solicitor by way of a CPR 31.14 and section 78 request who are yet to fully comply. I dont believe they have provided this yet correctly   2. Paragraph 3 is denied.The Defendant contends that no notice of assignment pursuant to s.136 of the Law of Property Act & s.82 A of the CCA1974 has ever been served by the Claimant as alleged or at all. still stands   3. It is therefore denied with regards to the Defendant owing any monies to the Claimant, the Claimant has failed to provide any evidence of assignment/balance/breach requested by CPR 31. 14, therefore the Claimant is put to strict proof to:   (a) show how the Defendant has entered into an agreement; and (b) show and evidence any cause of action and service of a Default Notice or termination notice; and © show how the Defendant has reached the amount claimed for; and (d) show how the Claimant has the legal right, either under statute or equity to issue a claim;   4. After receiving this claim I requested by way of a CPR 31.14 request and a section 78 request for copies of any documents referred to within the Claimants' particulars to establish what the claim is for. To date they have failed to comply to my CPR 31.14 request and also my section 78 request and remain in default with regards to this request.   5. As per Civil Procedure Rule 16.5(4), it is expected that the Claimant prove the allegation that the money is owed.   6. On the alternative, as the Claimant is an assignee of a debt, it is denied that the Claimant has the right to lay a claim due to contraventions of Section 136 of the Law of Property Act and Section 82A of the consumer credit Act 1974.   7. By reasons of the facts and matters set out above, it is denied that the Claimant is entitled to the relief claimed or any relief.    
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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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