GE Money via igroup / The Personal Loan Express Limited

[Gemz]

Hi, after some advice and investigation on the Which website, we discovered that there's been some issues around self-certified mortgages.

 

We sent a letter to GE Money using the template letter - I'll attach this.

 

We've now had a response that GE Money didn't sell the loan, The Personal Loan Express Limited did and they are no longer trading, so we should contact their administrators.

 

They then go onto say that the issue is 'time barred' because the loan was taken out over six years ago.

 

Then finally they say the complaint is closed and to refer to the Finance and Leasing Association if we're unsatisfied and not to contact the Financial Ombudsman because it is outside their jurisdiction.

 

They also sent a copy of the original credit agreement, which I will also attach.

 

Any advice of next steps to take would be hugely appreciated. The loan was taken out to consolidate debts but there was no checks done on my father's income which now due to ill health is non existant and no checks to ensure that it covered all the debts to be affordable.

[honeybee13]

Hello there.

 

I've removed your post with attachments because you've left your name and address showing, plus a reference number I think. Please repost them with any identifying details removed.

 

HB

[Gemz]

Sorry for the delay, here's the files minus details

[dx100uk]

same again.

 

 

and it would be more secure to use PDF

 

 

the issue with post word docs

is under properties

it shows the owners details.

 

 

try this:

HOW TO UPLOAD DOCUMENTS / IMAGES ON CAGi

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PLEASE REMEMBER: It would be better to upload a Multi-page PDF rather than multiple Single PDFs.

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- For Example: Default Notice DDicon-MM-YYYY.

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IMPORTANT To protect your IDENTITY and ensure you remain ANONYMOUS on CAG please ensure that you do a final check that all Personal Information including Barcodes, Names, Addresses etc. are REMOVED before carrying out the NEXT STEP

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5. HOW TO UPLOAD YOUR DOCUMENT ON CAG

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- In your Thread/Post open a new msg box here.

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on the front of GE

 

 

they never ever cough on anything

be it PPI, arrears reclaiming

 

one point worthy of note

 

mortgages/secured loans are 12yrs limitation

 

and as I've seen that 'speak' by ge used hundreds of times before here

 

it a fob -off letter

designed to make you give up.

 

 

DONT , they are hiding something.

 

 

the letter smacks of it

 

 

dx

 

 

 

 

never seen a win.

[Gemz]

Sorry, they are my dad's files, I'll get him to put them into PDF and actually cover them!

 

 

Edited: Added PDF files now

[pussycat10]

Have you made any progress with GE ?

Am curious as to the 12 year rule as well, I had assumed it was 6 years from when you discovered the incident or fraud.