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    • Great thanks! I have refined it -    ‘Dear Prosecutions Manager,   I would first of all like to start my response by saying how deeply sorry I am. I realise my actions were wrong and it is in no way representative of how much respect I have for Southeastern and their staff.  I am remorseful about the poor decision I have made. I’d like to try and explain my circumstances at the time I evaded my fare. I have recently returned to work but I have been on reduced pay for a while due to COVID-19 which led to me committing the incident mentioned. Additionally, I have been under stress as both my parents have been diagnosed with long term illnesses during the pandemic and I have been concerned about travelling and exposing them to COVID-19. Although I don’t live with them, they have been reliant on me during the pandemic to collect shopping, medication and support them throughout hospital and doctor’s appointments. The extra pressure has taken a toll on my mental health and I have consequently made a careless choice. I was so ashamed of myself when I was stopped by the Revenue Protection Officer and since then, I have ensured I have paid full fare for every journey I have made. The consequences of my actions have weighed heavily on my mind since. I am concerned that a possible prosecution would ruin any future employment opportunities and I would really like to settle this out of court with a contribution towards the administration costs as compensation for my actions. I am regretful of the extra pressure and inconvenience caused to all involved and would like to make amends.. I’d like to end this letter by saying that I understand the gravity of my actions and will never travel without a valid ticket in future. I thank you for taking the time to read my response and I appreciate any leniency you can show in this matter.’
    • Hopefully this has done it, thank you for your help 2021_05_14 20_18 Office Lens-merged.pdf
    • In 2016 my business was subject to a fraud regarding a Rolex watch which we had taken in as part exchange from a local and well known customer. We took his steel Rolex and he paid a few thousand £s extra and bought a pre owned gold one from us.  Having bought his watch, part of the deal was we would not sell it until he returned from over wintering  in Australia after a few months. Upon his return he was planning to either part exchange the pre owned gold one back and buy a brand new version of it,  or he might like to simply  buy his original one back.  The watch therefore sat in my safe for nearly a year. At which point we attempted to contact the customer only to find his obituary. He was ill before he travelled so we suspect he knew he might not return.   It was a few weeks before Christmas so we put his (which was now ours) watch in the window (as it was) to sell and sold it within a few days. Had it not sold before Christmas we  would have sent it to Rolex for service and refurbishment, and subsequently offer it for a higher price in the spring (Rolex would also have identified it as fake). Two years later the customer that bought the watch returned it quite upset after he had sent it to a national watch buyer to sell, but was told it was a high end counterfeit (ie not your $20 Chinese throwaway, but one purposely manufactured to deceive).   After some checking ourselves, we refunded the customer and spoke with our insurers.   Our business insurance provided all risks cover with a few exclusions (terrorism etc) and was a very well known policy that many/most UK retail jewellers take up. Indeed we had held the policy for many years.  Fraud is an insured risk.   It is my view that a customer selling us a fake watch is a fraud. The broker enquired with underwriters and they have said it is not covered. I am not satisfied and have asked the broker to send me the wording of the policy so I can read the exclusions. I am told they have searched their archive but cannot find the policy so cannot send it to me. They have asked me if I have my copy? I haven't found my policy document either and fear I threw it away upon renewal. But wonder, if I do keep looking, whether it would be a good tactic to let them have my copy. We have been renovating the house for a year and the attic is absolutely chock a block with stuff, a thorough search through the old books would take a week or more.  I have suggested if they cannot find the wording sold with my policy they should settle the claim. Clearly they cannot reject the claim without the wording? It sounds odd to me that they even need to retrieve the policy to find the wording.    I am quite certain a claim for fraud is an insured risk. I guess somebody has to judge whether the transaction was fraudulent first though. I am quite happy to issue a summons if the insurers reject my claim by trying to suggest the risk was not covered (unless it obviously isn't), which is why we need the wording.   Comments and a strategy would be very useful to understand whether or how to proceed. The claim is for £3500.
    • So let’s say you won’t get more than 1 hour for lunch, so 48Hr/wk is your paid hours. That gives you 2496Hrs/yr at £20k yours hourly rate is £8.01/Hr.    if you are 21 or 22 you should be on £8.36 23 or over takes you to £8.91   so unless you are younger than 21 you are below minimum wage and they are breaking the law if those are the hours you are contracted for. 
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ge money claim for unfair fees and charges **WON**


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Hello

I am new to posting - I would be grateful for any help

 

I have followed the advice on the forum and have filed a county court claim against ge money for unfair fees and charges for the amount of 2300.

 

I have received a reply stating that they think my claim is poorly particularised and wholly without merit and therefore vulnerable to be struck out by the court and have made.me an offer of 1250 and if I refuse this then they are instructing their solicitors to file a formal defence and apply to the court to strike out my claim

 

I am now losing my nerve- can someone help me - will I have to go to court and what will happen. If I lose is that the end of it. I really don't want to accept this as they have treated me terribly in the past. Grateful for any advice at all!

Thanks

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Can you type up the particulars of claim that you submitted?

 

Did you include interest in your claim figure?

 

Over what period of time were these charges levied?

 

What charges have you claimed?

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Particulars were as follows

This claim is against ge money secured loans for the amount of 2276.70 which has been added to my account unfairly unlawfully and disproportionately in respect of late payment/ administration fees. The charges have been made at 40 per item and have subsequently added considerable arrears to the account. These charges are unfair as they do not accurately reflect the true administrative costs of the company. I would like these charges to be returned to me in full and not reversed historically.

The account started in April 2007 - 40 charges of 40.00 - I used the spreadsheet to calculate the charges. I have just claimed for the admin fees. They originally offered me 920 and I refused and entered the court claim.

Thanks

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I think the PoC could have been better but I'll get one of the others on the team to have a look for you.

 

What rate of interest did you use?

 

You say you used "the spreadsheet"....which one?

If I have helped you please leave me a message by clicking my star

 

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI

Read Here

3. Reclaim Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial

Read Here

5. Feel Bullied by Creditors or Debt Collectors?

Read Here

6. Staying Calm About Debt

Read Here

7. Thinking of a Full & Final Settlement?

Read Here

 

How To Upload Documents To Cag

Instructions

 

I DON'T GIVE ADVICE BY PM BUT IF YOU SEND ME A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER HELP THERE

 

 

 

Private message facilities are offered for users to communicate issues that are perhaps inappropriate for posting on the main forum. Site rules explain this in more detail.

 

If you receive a private message which you consider abusive, derogatory or otherwise inappropriate, whether it be about yourself or other members, please report it using the "report" icon

 

If you are approached (or have been approached) by private message with an offer of help "Off Forum" or with a view to asking you to visit another website, please inform the site team via the report icon, especially if this results in a request for a fee. Remember, this is for your own protection

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£1,250.00 sounds like a reasonable offer..

 

Whilst I would agree that your PoC isnt particularly good - I think they would probably attempt to persuade you to drop the claim whatever you had submitted.

 

I am sure others will be along to advise what your best move should be :)

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Uploading documents to CAG ** Instructions **

 

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1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

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2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

Advice & opinions given by citizenb 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.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Well done jake. You've got them to not only make an offer but also increase it in an effort to put you off going to court. Ask yourself why they don't want to go. ;)

 

When you put in a court claim you have to expect a defence and companies will always use a solicitor for this. Just because they apply for a strike out doesn't mean the judge will do that.

 

Ims is right about the poc but don't let GE stop you claiming what is yours. Let's see what the legal bods have to say. :)

 

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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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Hi Has anyone anymore advice for me - my partner thinks I should accept the offer as we have missed payments in the past. I am quite scared of the court process thing - wil I have to go? Thanks

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Hi Jake,

 

You should only start court action if you are prepared to see it through to a final hearing, up against the defence barrister, in front of a judge.

 

Things would not necessarily go that far and one would hope a settlement could be reached before that stage. However, there's no guarantee and you would have to appear, to represent and argue your case.

 

:-)

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  • 1 month later...

Ongoing fight with GE Money - Help please?

 

Well I decided against accepting the offer made to me by GE and last week received the defence form from them in the post. As i said earlier - my POC was very poor, I didnt realise that this had to be so comprehensive and the solicitors for GE (Optima) have dived on this and have said in the defence that the POC is not properly particularised or set out in numbered paragraphs and then have continued to rip the claim to shreds basically. I have sent back my directions questionnaire yesterday but couldn't pay the allocation fee as the line was busy so they have asked that I pay this on Monday but in the meantime I have received a letter from Optima again this morning asking that I discontinue with the claim in view of the contents of the defence. If I discontinue with the claim, can I re issue a new claim properly particularised this time? I know this will cost me but they owe me 2200.00 so its worth the effort. Any help with this would be most appreciated.

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Hi

I am in the middle of trying to reclaim charges from GE money for admin fees. I have followed letters procedure and GE offered me a settlement after much wrangling (WITHOUT PREJUDICE) OF 1250 - THE CLAIM WAS FOR 2200.00. I turned this down.

 

Basically I have made a mess of the claim form - my POC was poor and I didnt add my partners name on the form and GE are all over this and have filed a defence using all of this. I don't feel I am in a very good position. I received my directions questionnaire on Friday sent it back but couldn't pay the allocation fee as the court phone lines were busy - so this needs paying on Monday. In the meantime, this morning.,

 

I have received a letter form GE Solicitors (Optima) asking me to discontinue with he claim in view of the defence. Can I drop the claim and re - issue a new one that is properly particularised? Or if it goes to court and is struck out can I start a claim again?

 

I am so confused as to what to do, I jumped in feet first and have made a total hash of it but they shouldn't be allowed to get away with these charges. Any help or advice would be most appreciated.

Edited by citizenB
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Jake

I can not help with the procedures but I am sure someone will want to know details in order to assist

 

1) What exactly is the claim for, you say admin fees, are they yours or there's?

 

2) What do you mean by the letter process?

Any opinion I give is from personal experience .

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I will flag for those on the site team that will be able to help.

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

Advice & opinions given by citizenb 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.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Jake, I have merged both your threads as it will make advising you a lot easier with all the story in one place :)

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

Advice & opinions given by citizenb 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.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Hi Jake, , I'm probably only a few days behind you as I've submitted a claim to court too. I'm expecting all the usual spiel about POC not being correct and putting in defence etc, but I honestly do not think GE Money will want to go to court as they will then have to prove the value of the £40 charges. There is only one signature on my claim form too .... So they'll pick that too no doubt. Someone, will be along to advise you further soon I'm sure. Keep going, don't give up!!

jaxads

 

Halifax - £2281, successfully refunded all charges after LBA letter & telephone call.

Have been offered the difference between the £20 and £12 charges from Capital One -- am sending LBA for remainder.

GE Money - Received settlement of £441, being total charges requested. No interest though.

CCA'd Bank of Scotland / Blair Oliver Scott to produce CCA Agreements on two Credit Cards - well in default, although still chasing payment!!!

EOS Solutions "ceased action on account" on behalf of a friend.

 

All in all, quite busy at the moment and enjoying every minute of it
:eek:

 

 

 

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Thread moved to Financial Legal Issues.

 

Andy

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Hi Jake,

 

If you refuse to drop the claim as Optima suggest, they are likely to make an Application to the court for your claim to be Struck Out on the basis that it has little or no merit.

 

You can oppose such an Application and the likelihood is that the court will make an Order that you File and Serve an amended and fully particularised POC.

 

Accordingly, I do not think you should, or need to, withdraw the claim with a view to starting it afresh.

 

:-)

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  • 2 weeks later...

Hi jake, any updates?

jaxads

 

Halifax - £2281, successfully refunded all charges after LBA letter & telephone call.

Have been offered the difference between the £20 and £12 charges from Capital One -- am sending LBA for remainder.

GE Money - Received settlement of £441, being total charges requested. No interest though.

CCA'd Bank of Scotland / Blair Oliver Scott to produce CCA Agreements on two Credit Cards - well in default, although still chasing payment!!!

EOS Solutions "ceased action on account" on behalf of a friend.

 

All in all, quite busy at the moment and enjoying every minute of it
:eek:

 

 

 

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Hi Jake,

 

Just want to wish you luck with this.

 

I'm currently suing MBNA for charges and I know just how daunting it can be, but stay strong and keep going. I have already beaten Barclaysharks (they settled before court) and others on here have also been successful with various companies.

 

You will get loads of advice here and remember, they have made an offer so they know you are in with a chance, but they will play dirty and try to scare you into submission.

 

Hold your nerve, and keep us updated :wink:

 

Up2

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  • 3 weeks later...

hello everyone

 

I have received e general form of Judgement or order in this mornings post. It states -

 

It is ordered that

1. The claimant shall by 14.00 hours on 17 April 2014

a) File at Court and serve on the Defendant a detailed breakdown of how she calculates the sum of £2276.70

 

b) File at Court and serve on the Defendant a fully pleaded particulars of claim which shall include the legal and factual basis upon which she claims the charges levied by the Defendant are unlawful or unfair

c) File at Court and serve on the Defendant a written statement setting out why the Court should not stay this claim pursuant to s141(5) Consumer Credit Act 1974 until such time as Mr (my partner) is added as second Claimant herein (and consents to the same)

 

2. In default of compliance with paragraph 1 of this order, the claim shall stand struck out without further notice.

 

3. Because this order has been made without a hearing, the parties have a right to apply to have the order set aside, varied or stayed. A party making such an application must send or deliver the application to the court (together with any appropriate fee) to arrive within seven days of the service of this order.

 

I understand the particulars of claim bit - i am assuming I will need to fill in a form at Court for this? And then send a written statement to GE? Think I have seen a very well set out POC on this site somewhere to help me.

 

I find the last bit a little confusing though (3)I wondered if anyone could anyone help?

Thanks

 

Jake

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Hi Jake

 

This covers point 1c re adding your partner to proceedings:-

 

http://www.legislation.gov.uk/ukpga/1974/39/section/141

 

I will mark for the attention of the Site Team to go through the rest with you.

 

Regards

 

Andy

We could do with some help from you.

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