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G E Money.Loan Ended.Now Repossessing House.

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Some help needed PLEASE. Received SAR information from GE Money. There was a mis-sold PPI on loan in 2004. Single payment of £2,400 for PPI built into loan. ie £15,000.00 for loan plus £2,400.00 PPI. Now here is where I need some advice quickly, because WANT to start an action against company soonest.

 

 

PPI was for five years, finished July 8th 2009. Loan finished July 8th 2011, but to date still paying GE Money £300 per month for loan and £50 off arrears.

 

 

How is it possible to still be paying installments for PPI when it finished four years ago, and although loan finished and G E Money did not restructure payment, the loan cannot be 'dead' as GE still adding fees and compound interest to whole sum.

As stated previously in thread son has paid £21,500 on £17,400.00 since 2004, but GE say £17.685 still owing, and now they want the house too.

 

 

Still waiting for bailiffs warrent, but I am sure will receive it any time now, which only gives 10-14 days to act. Incidentally do not think a Time Order will cut it as loan has finished, so no current paper work to 'hang' the order on.

Please can someone please advise? Thank you for reading.

 

Would like to thank everyone who has already replied to my thread, because without you, would not have known about sending a SAR and mis-sold PPI.

 

 

As soon as there is some spare cash rest assured will be making a good donation to this website,because without you what on earth would ordinary folk do?

 

scan up the agreement and the statements please:

 

set your default scan page size to A4 less than 300DPI [150 will do]

scan the required letters/agreements/sheets - as a picture[jpg] file

don't forget you can use a mobile phone or a digital camera too!!

'

BUT......

ENSURE: remove all pers info inc. barcodes etc using paint program

but leave all monetary figures and dates.

*********************************************************

{DO NOT USE A BIRO OR PEN OR USE SEE THRU TAPE OR LABELS]

try www.pdfescape.com TO BLANK STUFF,

*************************************************************

or

DO IT IN MSPAINT.EXE or any photo editing program

goto one of the many free online pdf converter websites ...

http://freejpgtopdf.com/

..

if you have multiple scans/pics

put them in a word doc FIRST and convert that to PDF

or use www.pdfmerge.com

 

convert existing PC files to PDF [office has an installable print to PDF option]

..

 

it would be better to upload a multipage pdf if

you have many images too rather than many single pdfs

.

or if you have PDF as an installed printer drive use that

or use word and save as pdf

try and logically name your file so people know what it is.

though dont use full bank names or CAG in the title

i'e Default notice dd-mm-yyyy TSB

.

open a new msg box here

hit go advanced below the msg box

hit manage attachments below that box

hit the add files button on the top right

hit select files, navigate to your file on your pc

hit upload files

.

dx


..

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and look at no.1. below

 

dx


..

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DX, Thank you for your reply. Will copy documents asap.

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Will be scanning paper work shortly. Using spreadsheet have estimated that G E Money owe £20,000 in unfair charges etc,plus mis-sold PPI. Am worried about claiming the whole amount in one lump as it will be fast track and could lose, and be responsible for their costs. Is it possible to do a £5,000 claim with rest to follow, or is that a silly question.?

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penalty charges - one claim

 

ppi etc another

 

ins another.

 

if you want to attach your spreadsheets

[redact them first]

 

use the manage attachment button

off the go advanced box of the bottom right of the new msg window


..

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[ATTACH=CONFIG]45284[/ATTACH][ATTACH=CONFIG]45285[/ATTACH][ATTACH=CONFIG]45286[/ATTACH][ATTACH=CONFIG]45287[/ATTACH][ATTACH=CONFIG]45288[/ATTACH]

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pdf them as per the guide please

if you cant see them by clicking the links you put up

neither can we

dx


..

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If the payments are the same all through the loan and there wasn't a separate payment for ppi, the chances are that it's still being paid for even though it expired.

 

By the way, the small claims limit has increased to £10k.


 

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The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

 

Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007

Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06

Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007

:p

 

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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