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Un-Fair GE MONEY Mortgage Charges Advice Please

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Hi hoping someone can offer some advice please ?

 

we have/had to sell our home

all monies have been paid in full to mortgage company

they really gave us a hard time and were causing too much stress to carry on with it.

 

I am now after pursuing them for all charges that they have charged us over the years

 

what charges can we claim back

 

we had a joint mortgage account do we both need to do a SAR

or will one in joint names suffice any more advice would be appreciated.

 

Thanks in Advance

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icon1.png Un-Fair Mortgage Charges Advice Please

Hi

 

hoping someone can offer some advice please ?

 

we have /had to sell our home all monies have been paid in full to
mortgage
link3.gif
company

they really gave us a hard time and were causing too much stress to carry on with it.

 

I am now after pursuing them for all charges that they have charged us over the years

 

what charges can we claim back

 

we had a joint
mortgage
link3.gif
account

 

do we both need to do a
SAR
link3.gif

 

or will one in joint names suffice

 

any more advice would be appreciated.

Thanks in Advance

 

 

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one sar will do.

 

 

you can reclaim everything like

arrears fees

debt advisor fees

 

 

it is debatable that you can reclaim solicitor or litigation fees

IF the were court papers served at any time

 

 

however they should be 'reasonable'

 

 

dx


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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, the whole DCA industry would collapse overnight.

 

 

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also look at ALL the insurance you were required to take.

 

 

the ONLY insurance that MUST be 'in-plce' is buildings cover.

 

 

and if you already had this, thaen a duplicate of that can be reclaimed too in most cases

 

 

dx


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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, the whole DCA industry would collapse overnight.

 

 

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Hi All

Happy New Year dont know if this is posted in the correct place i am now after pursuing GE Money for all back charges interest etc i cannot get access to the library to get a sar request template can any one help me with this please.

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moved the random post to YOUR existing thread

please keep to this thread

 

 

if you click SAR.

 

 

its there

 

 

its also in your previous msgs in this thread

 

 

dx


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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, the whole DCA industry would collapse overnight.

 

 

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Hi,

Hope you can offer some advice i sent of the SAR claim letter and the lender has replied with the following.

 

They are happy to supply us with the requested information within the 40 day timescales.

 

Then they have.

 

Please note that we will not be in a position to provide copies of any telephone calls unless the following information is provided:

* Date of call.

* Time of call.

* Telephone number to which or from which the call was made.

 

We regret to inform you that without this information we are unable to identify any calls connected with your account(s) within our systems.

 

 

We would also like to advise you that we only retain telephone recordings for a period of three years.

And in some instances even with the above information we may still be unable to provide details of the call due to technical reasons.

 

This is absolutely shocking they know the date,time and numbers as they made the calls to us causing us long term stress

and and by the number of calls made nothing short of harrasment, surley this will be in notes logged on there system.

 

They are now acting totaly different shall we say the shoe is now on the other foot were chasing them.

 

What is my next step please.

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why do you need them. you need the statements

 

 

dx


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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, the whole DCA industry would collapse overnight.

 

 

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Thanks for the speedy reply dx100uk are they saying this about telephone calls as there will be a lot of fees due to the number of calls recieved ?

 

Will this be a way of trying to dispute the number of calls made by them to us ?

 

They will send statements within the 40 day timescales as they said in there correspondence as yet we have not recieved them, are you saying the fees charged on the statements will show when and how many phone calls were made ?

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yes

 

 

dx


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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, the whole DCA industry would collapse overnight.

 

 

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Good Afternoon

 

Can i just say a big thank you for all the help i am recieving on the site and thank you for your continued support.

 

Update on the situation

 

 

today i have received the infomation from my SAR request

i have checked all of the statements for late fees that bit is straight forward?.

 

The phone calls/letters to us

there are quite a few are logged on the DSAR Report ( CTB) and ( LTB)

but no fees are attached/logged on the statements for these

does this mean they have not charged us or are they just charging us though the monthly late fees?

 

Solicitors fees

can we reclaim these £907.26 in total?

 

also what interest payments can we claim back

 

the fees start from July 2007 going through on and off until October 2013

but obviously the interest on these charges would have been charged up to the time

we reedeemed the mortgage August 2014.

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CISheet v101.xls

 

 

put each/every fixed sum PENALTY fee

or arrears fee on its own line in the above spreadsheet

at their avg int rate.

 

 

you cannot put interest charges in

if they have had you in court

you cant reclaim sols fees.

 

 

lookout for debt management fees too.

 

 

did you get a copy of the org agreement too?

 

 

dx


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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, the whole DCA industry would collapse overnight.

 

 

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Thanks dx100uk

For your reply

 

 

the initial loan was taken out with the I Group on the credit agreement dated in 2006

it says interest will be 10.25% per annum fixed for an initial period of one month from the date of this agreement

and then thereafter at a rate of 5,75% per annum over barclays base lending rate.

 

Then on another sheet stating key account information

it states the inception date (start date)

says how much the loan is for

then on the bottom is says monthly interest rate 0.520833%.

 

What is their avg interest rate to put onto the spread sheet

 

 

any information would be greatly appreciated

 

 

i have not got a clue what it would be.

Could you please tell me why they wont allow you to claim interest if you have been to court please.

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use 10.25% wont hurt

 

 

dx


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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, the whole DCA industry would collapse overnight.

 

 

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Hi

Un- fortunatley i am unable to open the CI sheet is it possible you could send me a link to it that way i may be able to open it.

Thanks

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if it downloads as .PHP

 

 

simply do save as and rename it to cisheet.xls


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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, the whole DCA industry would collapse overnight.

 

 

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Hi dx100uk

The document will not download i have tried for the last hour and a half any ideas what will open it.

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when you click the document download what is the filename it shows.


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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, the whole DCA industry would collapse overnight.

 

 

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Hi sorry its took so long to reply i still cannot open the CI sheet it says windows will not open it when i click on it it does not show a file name .

I am at a loss on how i can open it i have genuinley been trying to open it since you sent this to me it is there any other way to download it.

Thanks

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what browser do you use

and have you excel installed


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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, the whole DCA industry would collapse overnight.

 

 

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Hi

I am still unable to download the CI sheet i am going to go to the library and see if i can download it on their computer.

 

When i have filled in all of the charges and the interest who do i send the form to ?

 

 

is it the same place where you send away for your SAR ?

 

Or is there a cover letter i can download and send it off with the completed CI sheet?

 

Thanks

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what browser are you using [internet explorer?}

 

 

dx


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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, the whole DCA industry would collapse overnight.

 

 

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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, the whole DCA industry would collapse overnight.

 

 

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Thanks dx100ukFor your reply yes i am using internet explorer but i do not have excell installed and i cant find the disc required to install it.My question is do i send the completed spread sheet to the same address to where i sent off for the SAR request ???Thanks one again your help is much appreciated

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