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me & link on old glazing finance with GE money


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Hi guys!

I'm in a situation with Link Financial and GE money.

 

Myself and ex partner took out a loan with GE money through Safestyle windows,

frankly, we were badgered into taking out the loan but needed the windows unfortunately.

 

to cut a long story short,

 

I left the house after a break up with the ex back in Jan 2008,

she made various payments to Link then stopped,

the debt was defaulted in 2009/2010 as far as I can make out from my credit file at Experian.

 

The house was repossessed in 2011 and I haven't heard a thing from my ex since,

 

I have no idea where she is and am now stuck with this £4000 debt with Link.

 

I decided to contact them in Feb 2013 to sort things out as I want these cowboys off my back and credit file!

I have no other debt apart from this one.

 

I requested the CCA and received that before the 12+2 days deadline,

it is a photocopy BUT the interesting thing is that although we both signed for the loan we never dated our signatures?

 

Do I have a case here?

 

One last thing, I'm sure they have charged for late payments and unlawfully added interest too so I will request a breakdown of payments.

 

PLEASE HELP AS THIS IS STRESSING ME OUT!:-x

 

Thanks

 

Darren

Here's the CCA [ATTACH]44377[/ATTACH]

Edited by musicdaz73
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Unlikely to effect enforceability imo.

 

You need to make a SAR to get all the details on PPI/charges there is a £10 statutory fee for this, they have 40 days to comply, use the template from the CAG library.

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

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Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Thanks for the reply!

So this will be enforceable without signature dates? my ex is untraceable so I'm lumbered with all of this unfortunately.

Do I highlight every charge on the SAR, calculate them then claim those back? and do I go directly to GE money or Link for the SAR?

 

Really appreciate your help on this.

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every fixed sum penalty charges yes

 

at THEIR int rate use the CISHEET.[from the agreement]

 

post it up when done

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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sri I miss read you had the statements

sar GE money

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites
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