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    • Thank you BankFodder. I will do as you suggest to get everything in writing first and will construct the letter of claim over the weekend. Is it best to use the format for the letter of claim as the one on this website? Lastly, did I read the judgement correctly for the Farooq judgement as its not quite clear to me which act I am covered best by?
    • A letter of claim can't be served by email as per CPR 6.3 unless you've specifically told them. Also can't give you 7 days to pay, they've got to give at least 14 days. They know this, they're just hoping you wet yourself and cough up. This won't be going anywhere. IGNORE.
    • Good Morning, I received a speeding ticket last December, I had requested further information from the ticket office which they provided, I also sent back the form confirming i was the diver at the time, however, i had overlooked the signature at the bottom of the page, nobody from the ticket office got back in touch to mention this and i was trying to book a course with no luck, I got in touch with them and sent them a screenshot showing them I was unable to book the course, they came came back to me and said we have no documents to say you were the driver (they did they just failed to mention I never signed it) they re sent the form and it was over the 120 days, i had mentioned to them previously that the timeframe was coming up and they would need to extend this. They are now saying they have complied legally and i need to accept the 3 points, I am trying to plead my case and I am tempted to let this go to court and provide the evidence of my constant communication on the matter. has anyone got any experience with this? TIA.
    • Thank you. I'm looking into it at the moment.  Straight away it says last sold in 2007. Thank you every one for all your help. It's much appreciated. 
    • Just on bankfodder's final point above. The Title Register you get online for £3 can't legally be used as proof of ownership for the property. Right now they'll suffice to see if there's an asset there. Should you need to use it in court to say he's trading at that address, you'll need to fill out an OC1 form with HM Land Registry to get an official copy in the post, which costs £7.00. Make sure that you get the Title Register, not the Title Plan! Title Register will tell you who owns the property etc while the Title Plan will tell you the property boundaries etc which isn't relevant in this case.  
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purple loansiGroup/GE Money Home Lending - charges court claim


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Sorry for previous post, despite putting in paragraphs, when it is displayed, it all just bunches together !!!!

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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Try note pad not word to copy and paste from

 

Dx

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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So claim form ready to send tomorrow - taken a few attempts due to teething problems with the form .... So now the action begins

 

Just wondered - any point in me emailing the CEO to say claims being sent tomorrow but open to it being settled out of court - or allow the procedure to advise?

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jaxads - thanks for the post! Only just seen it, didn't get an email notification for some reason!!

 

All ready for claim to send tomorrow - so prepared to see it through

 

Thanks again!

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  • 1 month later...

Quick update. Had some hiccups with the N1 submission - all addressed and resent. GE have until 20th Aug to respond to claim. Hoping to go straight in for judgment by default on 21st - fingers crossed!

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  • 3 weeks later...

So GE filed a defence ....

Very much like jaxads ..

. Poorly particularised claim,

their fees are reasonable,

 

 

I'm claiming against the wrong person as they were formally Igroup. Etc

 

Just had to submit an allocation questionnaire

- opted not to have mediation as it states to use if you think they'll settle without a court hearing

- very unlikely so no point me paying for the service.

 

Does anyone have any pointers on the next steps?

I presume I'll now have to submit a defence against their defence at some point.

 

Wondering if anyone, other than jaxads, has got this far with their claim?

 

Any suggestions/experience of this would be appreciated.

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  • 3 weeks later...

Any advice appreciated .....

 

So received their N244 defence, requesting that they ''invite us to immediately discontinue the claim' and that it'll be 'struck out' with 'no real prospect of succeeding' .... and they seek an order for payment of their costs.

 

States that IGroup loans changed its name to GE Money then goes on to say that GE Money has 'no contractual relationship or otherwise with us' and 'there is no legal basis' in which we can bring a claim against them - they just confirmed they changed names!

 

States that the claim is statue barred, as the loan doesn't 'constitute a "principal sum of money secured by a mortgage"' making the 12 year limitation denied. And that they are 'embarrassed by the lack of particulars of the claim'.

 

I'm assuming I now have to compete an N244 for my response to their points?

 

They also still haven't addressed the 'write off' of the £4500+ balance - surely if they were 'right and just' in their charges, then they would've sought the balance outstanding?! Especially as it was a SECURED loan!

 

Look forward to hearing from anyone who has any pointers for this stage in the claim!!

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as it was a secured loan sure it would be 12yrs fwiw:

 

look at it this way

ge money have gone after people for money outside of 6yrs of last payment as long as the charge was still current.

 

so horses for courses.?

 

dx

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

as it was a secured loan sure it would be 12yrs fwiw:

 

look at it this way

ge money have gone after people for money outside of 6yrs of last payment as long as the charge was still current.

 

so horses for courses.?

 

dx

 

Thanks dx - will try to find evidence to support this too

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  • 4 weeks later...

Hi all,

 

The claim has now been sent to our local court - so waiting for a hearing date or request for information to send.

 

I want to be able to send the attached, it disputes and shows reasonable doubt in their defense - so that the court can use this information to determine next step.

 

Any suggestions appreciated.

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  • 7 months later...

Hi. Help/assistance needed please!!

 

Due in court 8/6.

 

Just received letter from Optima, outlining their costs - £8,880!!! Ridiculous!!

 

Any ideas if this is a scaremongering tactic or will I now have this debt to settle?!

 

Thanks

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Hi Honeybee,

 

Nothing since their defence in September, which I bullet pointed and evidenced - I sent a copy of this to the court and to Optima in March. Also, the change of court from our local one to theirs.

 

Then this morning, a copy of Optima's client (ge money) costs - a copy of which has also been filed at the courts - totaling £8,886.20.

 

I also thought, and read somewhere, that as long as it remains in small claims court then I wouldn't be ordered to pay their costs if I lost?

 

Any advice welcome!!

 

Thanks

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Hi jmd, has it been allocated to small claims track or fast track?

 

I am probably a little behind you in my case with GE, awaiting notice of allocation as it was sent to my local court

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Hi jmd, has it been allocated to small claims track or fast track?

 

I am probably a little behind you in my case with GE, awaiting notice of allocation as it was sent to my local court

 

 

Hi. Yes allocated to small claims court.

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then just sending that to worry you

 

 

dx

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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