ge money secured loan paid but want £1000's in old charges **WON WRITTEN OFF**

[dx100uk]

sri joe very busy

 

i'll try to help over the next few days

[joe 13]

thanks dx no rush this side, not had any letters from them since they issued the default end june not sure what their move will be

[dx100uk]

ok I agree they should remove the additional int amounts

as they are solely in relation to the unlawful charges

 

have they ever taken you to court?

 

if not

add in the solicitors legal fees

[joe 13]

yes they have taken me to court just once,

 

 

the judge was satisfied with the the amount i was paying off the arrears at the time

 

by the time the case got to court the arrears were under £300 but ge still wanted their court hearing

 

i will check solicitors fees again i sure i remember reading on here somewhere they can only charge reasonable amount

[joe 13]

the solicitors fees were £514.38 in total made up off 4 payments over 2month period in 2005

 

i could argue as it was unnecessary to go to court at the time as i had nearly paid off arrears which the court was satisfied with

 

the judge advised me at time i should consider moving my mortgage as i was paying extortionate int rate.

 

on my statements it shows same int rate on each one 1.083%monthly which i get to 13.80%apr the credit agreement shows apr 19.38%

 

i used the 13.80 in the fosci sheet

 

 

should i have used the 19.38 ,

 

 

will try get claim letter off to them next week

 

 

just trying to get all my facts and figures right first

[joe 13]

had look at credit agreement again shows another int rate 16.50% used that one in the fos sheet and it got the within a few pounds off theirs,

 

think im good to go with my claim letter now will use one in the cag library.

 

a big thanks for all the and advise and information on this site

[joe 13]

sent of letter this week requesting charges refund ,

 

 

sit tight now and wait for their usual negative reply.

 

think i will be looking at small claims court if they are not willing to refund my charges ,

 

 

most off the other options seem to drag on for ages.

 

will keep updating as i go no doubt will need plenty more advice

[joe 13]

ge money resolutions team have left message on my mobile today ,

 

said about the letter of complaint they have received and

 

they have logged to their complaint database ,

 

it is our practice to call regarding complaints to fully understand what your complaint is about so we can investigate it for you

 

please call us back.

 

i have not rang them yet,

 

any advice should i give them one call or wait for reply through post

 

its will be week tomorrow since i sent them letter

best regards joe

[dx100uk]

pers I would not be conversing on the phone.

 

you need a papertrail.

 

dx

[joe 13]

thanks dx i will sit and wait for letter off them

[joe 13]

first contact today from ge by letter

 

we are sorry to read of your concerns and can confirm we will now start our investigation into the concerns you've raised.

 

we aim to resolve your complaint fairly and as quickly as possible ,

completing our investigation and informing you of our findings before 9 october 2014 .

 

this is eight weeks from the date we received your complaint .

 

if you need assistance in the meantime ,please contact us on the above no.

 

i will not be contacting them by phone ,

 

 

also sent me one of their fancy leaflets on how you can refer your complaint to the arbitrator

should you be unhappy ge's proposal for resolution ,no mention of taking to court in their leaflet .

 

waiting game again they will most likely wait till near end of eight weeks with their next replay .

 

thanks to cag i got this far

 

 

i know early stages yet but im determent to see it trough even if i have to take them to court.

 

its a shame reading some treads on here some people give up near the end after caggers spending lots time helping them,

information is not wasted though its helps other people who read posts

[joe 13]

hi all got replay off ge today

 

 

as i expected they are not budging

saying fees have been correctly applied to your account.

 

looks like its time for letter before action

 

is it the same letter i sent to claim back charges with a l.b.a heading

 

from reading a lot on cag court seems to be the best option

 

financial ombudsman service seems to take for ever with not much outcome thats probly why ge sent me a fos leaflet .

 

will leave my l.b.a till weekend so i can read some more on here

 

all advice always always welcome from all caggers regards joe

[joe 13]

:?:any suggestions on letter before action please

[joe 13]

hi all,any advice on my letter before action,not posted it yet see what advice i get first

[joe 13]

anyone get chance to look at this letter yet regards joe

[joe 13]

hi all, letter before action posted today,

 

 

see if they respond over next 14 days if not i must make sure to get ready with my court proceedings.

will keep updated joe

[joe 13]

had call from ge today asking if i was willing to make debit card payment and set up payment plan.

 

i said as my account was in dispute i do not wish to discuss it over the phone and could you contact me by letter only ,

 

 

i also told them i just sent letter before action,

 

 

he asked when i sent it and i said yesterday,

 

 

then he said sorry it has only come up on our records now as we have just received it today.

 

we will not contact you again in next 14 days but int is still getting added to your account.

 

seems bit of a coincidence sending letter yesterday and them calling today,

 

 

i pretty sure they do their homework and was aware of letter.

 

i usually ignore their calls but they got me with different no today,

at least its evidence they got my letter as all my calls are recorded.

 

just got to keep at them if need be let court decide,

 

 

i believe in paying my debts but not getting ripped off

 

 

paid ge just short 22 grand on a 10 grand loan and they still want nearly 5 grand joe

[joe 13]

not got any replay from ge yet by letter as expected,

 

 

got to give them till end of this week before i can start court proceedings.

 

may need bit more advice here and there with the court job.

 

thanks to c.a.g.

 

 

i got this far nothing to lose and if it goes my way could be big gain,

 

 

not bothered about bit court costs.

joe

[joe 13]

got this replay to my letter before action today,14 days were up yesterday.

 

dear mr me

thank you for your letter dated 25 sep 2014 about the fees charged to your account.

having looked at your case,

i can see we advised in our letter 5 sep 2014 that we would be happy to consider your case further if you provide us with new evidence.

 

based on your most recent communication,

i am unable to identify any new information or evidence that has not previously been taken into account during our investigation.

therefore we will not be re-considering our previous decision .

 

as explained in our final response letter,your complaint has been closed.

 

while i appreciate you may disagree with the outcome of our investigation,

we are no longer in a position to communicate further regarding the matter.

as our internal complaint process has been exhausted

 

 

you may now refer your complaint to the financial ombudsman service (fos)

 

please note,the fos provides consumers with six months to refer a complaint to their service once a finale response has been provided by a business.

our records show your six months expires on 6 march 2015.

 

the resolutions department are unable to investigate your concerns further and therefore ,

you must refer any queries regarding your account to the collections department ,

as they are currently managing your account.

please contact them on 08002948940 or alternatively write to them at the address shown above.

 

please note ,any further correspondence that does not include any new information ,received in relation to xxxxxx

will be added to your account record however we will not provide a response.

 

does ge not get it letter before court action,

 

 

see where we go from here joe

[joe 13]

hi all still at it here,just need some advise on poc template seem to be few different ones around some really long ones with loads of points that might not not apply to my claim,is it best to keep it as short as possible with all details of my claim.

have got n1 and will be making claim trough my local court,but open to suggestions ,thanks joe:???:

[joe 13]

hi,

 

 

for some strange reason my ge account is not on my noddle account anymore ,

 

 

it was there all the time before,

 

 

cant say when it was removed as it been few months since i checked it last,

 

 

could it be anything to do with them sending me default few months ago.

 

think i will check with another credit check company

 

 

anyone know another free one,

is it right that some give month free trial.

 

still working on my poc,

 

 

just cant seem to find time at moment with work,

joe

[dx100uk]

in my sig they all do free 30days

 

 

but you must cancel before 30days

 

 

dx

[joe 13]

thanks dx

i signed up to experian free month, had fed days for pin no trough post to sign in.

 

ge money is showing on their records

saying 6 months behind with payment,

strange as the last payment i made was the final payment on the loan march 2013.

 

then they added all the charges still adding between 30 to 50 pound a month.

 

do my best to get poc sorted this weekend

 

thanks again joe

[joe 13]

hi,

sorry for long delay updating ,

 

 

I didn't get as far as going to court with them but got positive outcome in the end thanks to cag.

 

first letter off them this year 17-4-2015 saying my account balance is now £5192.09

with a list of all the charges and it would be in my best interest to set up payment plan as soon as possible

 

 

,few days later at work accidently answered my phone on a private no and it was ge

not been doing much at work that day thought I let them have their say,

 

 

went through the security check like they do ,

said I was very difficult to contact and checked if my numbers were the same,

 

I explained my home no has changed and is now private as your company harassed me with calls over the last few years

and you can Easily contact me by letter,

said they are sorry I felt that way but if I didn't set up payment plan today they would have to proceed with court action

which would add another £700 pound or more to my account,

 

 

can I arrange that for you today mr ------- in a very official voice must thought they put the frightners on me.

 

I explained I would not be making any payments or payment plan as they are on the charges they have added to my account

and I think it would be in my best interest to take them to court as it would be only few hundred quid at most

also reminded them that the call was recorded and please could they contact me by letter only in future

,they just don't listen said ok but if I change my mind don't hesitate to call them back

 

another few days passes

23-04-2015 only six days since last letter

gets another one thought what now

 

quoting why we are writing to you,

we are writing to let you know that we have closed your account

as a result we will no longer be pursing any outstanding balance relating to account no -------- ,

 

 

we have instructed our solicitors to remove the legal charge registered against your property and update your credit file.

 

I have been waiting on my credit file to update for peace mind

and it has done now showing account closed amount owing 0

default removed

 

 

result at last

 

 

thanks to everyone that helped me on here with information

 

 

I may not got anything off them but could have ended up paying them another 10 gran with the int they charge .

I have enough courage now to chase a few more that owe me some money advantage gold my main mortgage finished last year worth a look at not ge thankfully . joe

[dx100uk]

hey great result!

 

 

funny but thats the third one ive heard of in a month

where by they have written off a debt

that was solely PENALTY charges & Or PPI based

whereby they'd refused the reclaimer before

 

 

dx