me & link on old glazing finance with GE money

[musicdaz73]

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!

 

Thanks

 

Darren

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

Edited June 8, 2013 by musicdaz73
PDF uploaded

[BRIGADIER2JCS]

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.

[musicdaz73]

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.

[dx100uk]

every fixed sum penalty charges yes

 

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

 

post it up when done

[musicdaz73]

Thanks, I'm not entirely sure what the CISHEET is? do I request the SAR from Link or GE?

[dx100uk]

sri I miss read you had the statements

sar GE money

 

dx

[dx100uk]

http://www.consumeractiongroup.co.uk/forum/showthread.php?330996-Latest-Spreadsheets-PPI-Claims-and-Charges-Claims-Dec-2011

[musicdaz73]

Thanks

I'll send the request and total up the charges!

[musicdaz73]

I never had PPI on this account but we were and, have been constantly charged for late payments and penalty charges etc! can I claim these back?