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    • The Notice to Hirer does not comply with the protection of Freedoms Act 2012 Schedule  4 . This is before I ask if Europarks have sent you a copy of the PCN they sent to Arval along with a copy of the hire agreement et. if they haven't done that either you are totally in the clear and have nothing to worry about and nothing to pay. The PCN they have sent you is supposed to be paid by you according to the Act within 21 days. The chucklebuts have stated 28 days which is the time that motorists have to pay. Such a basic and simple thing . The Act came out in 2012 and still they cannot get it right which is very good news for you. Sadly there is no point in telling them- they won't accept it because they lose their chance to make any money out of you. they are hoping that by writing to you demanding money plus sending in their  unregulated debt collectors and sixth rate solicitors that you might be so frightened as to pay them money so that you can sleep at night. Don't be surprised if some of their letters are done in coloured crayons-that's the sort of  level of people you will be dealing with. Makes great bedding for the rabbits though. Euro tend not to be that litigious but while you can safely ignore the debt collectors just keep an eye out for a possible Letter of Claim. They are pretty rare but musn't be ignored. Let us know so that you can send a suitably snotty letter to them showing that you are not afraid of them and are happy to go to Court as you like winning.  
    • They did reply to my defence stating it would fail and enclosed copies of NOA, DN Term letter and account statements. All copies of T&C's that could be reconstructions and the IP address on there resolves to the town where MBNA offices are, not my location
    • Here are 7 of our top tips to help you connect with young people who have left school or otherwise disengaged.View the full article
    • My defence was standard no paperwork:   1.The Defendant contends that the particulars of claim are generic in nature. The Defendant accordingly sets out its case below and relies on CPR r 16.5 (3) in relation to any particular allegation to which a specific response has not been made. 2. Paragraph 1 is noted. The Defendant has had a contractual relationship with MBNA Limited in the past. The Defendant does not recognise the reference number provided by the claimant within its particulars and has sought verification from the claimant who is yet to comply with requests for further information. 3. Paragraph 2 is denied. The Defendant maintains that a default notice was never received. The Claimant is put to strict proof to that a default notice was issued by MBNA Limited and received by the Defendant. 4. Paragraph 3 is denied. The Defendant is unaware of any legal assignment or Notice of Assignment allegedly served from either the Claimant or MBNA Limited. 5. On the 02/01/2023 the Defendant requested information pertaining to this claim by way of a CCA 1974 Section 78 request. The claimant is yet to respond to this request. On the 19/05/2023 a CPR 31.14 request was sent to Kearns who is yet to respond. To date, 02/06/2023, no documentation has been received. The claimant remains in default of my section 78 request. 6. It is therefore denied with regards to the Defendant owing any monies to the Claimant, the Claimant has failed to provide any evidence of proof of assignment being sent/ agreement/ balance/ breach or termination requested by CPR 31.14, therefore the Claimant is put to strict proof to: (a) show how the Defendant entered into an agreement; and (b) show and evidence the nature of breach and service of a default notice pursuant to Section 87(1) CCA1974 (c) show how the claimant has reached the amount claimed for; and (d) show how the Claimant has the legal right, either under statute or equity to issue a claim; 7. As per Civil Procedure Rule 16.5(4), it is expected that the Claimant prove the allegation that the money is owed. 8. On the alternative, as the Claimant is an assignee of a debt, it is denied that the Claimant has the right to lay a claim due to contraventions of Section 136 of the Law of Property Act and Section 82A of the consumer credit Act 1974. 9. By reasons of the facts and matters set out above, it is denied that the Claimant is entitled to the relief claimed or any relief.
    • Monika the first four pages of the Private parking section have at least 12 of our members who have also been caught out on this scam site. That's around one quarter of all our current complaints. Usually we might expect two current complaints for the same park within 4 pages.  So you are in good company and have done well in appealing to McDonalds in an effort to resolve the matter without having  paid such a bunch of rogues. Most people blindly pay up. Met . Starbucks and McDonalds  are well aware of the situation and seem unwilling to make it easier for motorists to avoid getting caught. For instance, instead of photographing you, if they were honest and wanted you  to continue using their services again, they would have said "Excuse me but if you are going to go to Mc donalds from here, it will cost you £100." But no they kett quiet and are now pursuing you for probably a lot more than £100 now. They also know thst  they cannot charge anything over the amount stated on the car park signs. Their claims for £160 or £170 are unlawful yet so many pay that to avoid going to Court. When the truth is that Met are unlikely to take them to Court since they know they will lose. The PCNs are issued on airport land which is covered by Byelaws so only the driver can be pursued, not the keeper. But they keep writing to you as they do not know who was driving unless you gave it away when you appealed. Even if they know you were driving they should still lose in Court for several reasons. The reason we ask you to fill out our questionnaire is to help you if MET do decide to take you to Court in the end. Each member who visited the park may well have different experiences while there which can help when filling out a Witness statement [we will help you with that if it comes to it.] if you have thrown away the original PCN  and other paperwork you obviously haven't got a jerbil or a guinea pig as their paper makes great litter boxes for them.🙂 You can send an SAR to them to get all the information Met have on you to date. Though if you have been to several sites already, you may have done that by now. In the meantime, you will be being bombarded by illiterate debt collectors and sixth rate solicitors all threatening you with ever increasing amounts as well as being hung drawn and quartered. Their letters can all be safely ignored. On the odd chance that you may get a Letter of Claim from them just come back to us and we will get you to send a snotty letter back to them so that they know you are not happy, don't care a fig for their threats and will see them off in Court if they finally have the guts to carry on. If you do have the original PCN could you please post it up, carefully removing your name. address and car registration number but including dates and times. If not just click on the SAR to take you to the form to send to Met.
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GE Money being sneaky?


merlin100
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Hi all,

just got a letter from the above (my mortgage company) saying that they have spotted a wording difference between my Mortgage Offer Letter and the Mortgage Conditions.

Basically, they say that the Mortgage Conditions state that any changes to the Barclays Bank Base Rate will be implemented one month later. But in the Mortgage Offer Letter it states 14 days.

Because of this, they are to credit my bank account with almost £28.00.

 

Now heres the bit Im not sure about -

"In future we intend to continue to operate your account in line with your Mortgage Conditions, and in consideration of this we are also crediting an additional £25 into your bank account. If you have any concerns blah blah blah......."

Being of a highly suspicious nature, and damn certain that money-lenders do not GIVE anything away, I just wondered if any of you smell a rat here?

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Yes, this is correct.It is something that came to light there was a slight discrepancy so if the interest for those days is coming your way.

 

Cheers theotherside - just like to make sure

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  • 2 years later...

Hi all,

got one of the above today with a 14 days deadline to return it and a second-class envelope!

I have a query that Im hoping someone can help with.

 

There are a few declarations on the letter that are somewhat vague and take some reading but the thing that concerns me the most is above the box where Im supposed to sign are the words Applicant 1.

Now, Im fully insured to re-build value and my contents are well insured too, and always have been.

 

So why do they use a term that suggests that I may be applying for something?

 

Is this usual terminology or shall I scan the letter up?

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scan it up to be sure

 

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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GE lend money and I take it that the Buildings Insurance Declaration is something to do with a secured loan that is being arranged with them. If you have not applied for a loan, you may wish to make enquiries.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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

 

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:evil:No application from me for a second loan Uncle Bulgaria, in fact, Ive hardly had any contact with them for around 6 years now.

And dx, will scan it up later. Just been told Ive been drafted in to put the bloody huge trampoline together that my grandson has got for his birthday:evil:

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Too small to read, but I have seen these before. Normally these are sent out to existing loan customers to check whether they have Buildings Insurance on the property the loan is secured against.

 

Do you have an existing loan with GE ?

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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

 

If you want advice on your thread please PM me a link to your thread

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Yes my mortgage is with GE Money. Never had a problem with them, no underhand tactics etc. It was just the title of the signature box that caused me some concern. Why call it Applicant 1 when Im not applying for anything?

Just makes me think it might be a sneaky way to get me to apply for something that I dont want.

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It is a generic form that would also be sent to new customers. At one time, when you applied for the loan, you were the applicant.

 

If you are unhappy with the form, cross out the word applicant and make a note by the side of it or elsewhere on the form, that you are not an applicant and by signing the form you are not applying for anything.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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

 

If you want advice on your thread please PM me a link to your thread

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It seems to me that it coincides with their providing home insurance product and basically trying to market themselves to customers who have mortgages with them. Why else would they ask renewal date? So in November I fully expect some mailshot or phonecall offering me their home insurance ...

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  • 1 year later...

Hi all,

need some help if you dont mind.

 

Ive had a mortgage with GE Money since 2005.

Ive never missed any payments or ever been late with one but

 

going through my annual statements, there are a few things I dont understand here so would be gratefull if someone could explain.

 

After the list of monthly payments etc, there is this -

 

Charges Summary since the start of your loan.

 

Interest Bearing Charges incurred (we will add interest to these if not paid) £40

Additional Interest incurred £16.49

Payment received towards these charges and additional interest £21.63

Outstanding charges balance - Interest bearing £34.45

 

- these figures relate to my most recent Annual Statement, but there are charges like this on every statement.

 

I couldnt initially work out what these charges are for, because like I said, Ive never missed or been late with any payment.

But then thinking back, I vaguelly remember the very first payment being late because GE Money didnt set the Direct Debit up in time.

This may have been something to do with First National who set the mortgage up in the first place.

 

So can anyone tell me what these charges may be?

Thanks all

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Ask them :) Seriously, write to them and demand a full, detailed explanation of what they are talking about.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Ask them :) Seriously, write to them and demand a full, detailed explanation of what they are talking about.

 

Hi renegadeimp, thats probably what Im going to have to do. These GE statements are vague and not designed to be easily understood.

For instance, if I quote the 2008 statement -

Interest Bearing charges £40

Additional Interest incurred £10.48

Payments received £4.39

- and then consider them against the 2013 statement see above), it looks like its a one-off £40 charge thats being reduced by pennies each year!

But then who knows with these people?

Was thinking of a SAR but didnt want to alert anyone until I knew for certain whether Im paying an extra £40 a month in my mortgage payment or whether this really is just a one-off charge?

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Thats how ge operate. Do a forum search on this site and youll see some right horror stories. They have even been known to try for repossession due to just 2k arrears.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Thats how ge operate. Do a forum search on this site and youll see some right horror stories. They have even been known to try for repossession due to just 2k arrears.

 

Hi again. well curiosity got the better of me.

Ive just been on the phone to them and they say its a singular one-off charge from when the mortgage began in 2005 and its being reduced by pennies each year - although they cant say what the charge was for!

Interesting though, it seems that the annual interest on this charge almost cancels out the annual payments towards it. Its taken me 9 years to pay a fiver off them! According to my last statement, I still owe £34.45. So by that reckoning, Ill still owe them around £28 when the mortgage is cleared in 2025!

Think Ill send them a cheque to clear it - even though neither I, nor they, seem to know what its for!!

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If they wont say what the charge was for, then dont pay it. get that charge into dispute until they come up with a valid reason. Although it may seem pennies, in reality they could be doing this to many many people and charging different amounts.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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  • 1 year later...

Hi all, need a bit of advice if you dont mind.

 

Got a letter today from the above lot regarding a change in how they will collect any future fees on my mortgage and that my Fee balance currently stands at £29.xx.

 

Now as far as I knew, I had never had any arrears whatsoever on the mortgage so I rang them.

 

It turns out that the first payment in September 2005 didnt reach them until October 2005. This must have been because of initial set-up procedures,Ive had this mortgage a lot longer than that, but 2005 was when I remortgaged to get rid of the ex wife.

 

Now Im a little bit suspicious because without any asking by me, they are now cancelling any outstanding "fees" and crediting my account with any past payments Ive made on these fees plus interest. Does anyone, like me, think that was a bit too easy?

 

When I asked about amounts etc, thats when they got a bit vague. Maybe they didnt know there and then? So I asked for written confirmation about the amount of refund, theyre not doing that either. I got left with a phone jockey saying she would keep an eye on the account and ring me when it is sorted.

Am I missing something here folks? If they were that eager to refund me then maybe I could have reclaimed it by cheque rather than against the balance of my mortgage. Either way Im not too bothered, but it just seemed all to easy?

Thanks all.

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sar time to check they are correct?

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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Yes an SAR would be good. Also check that they have added compound interest. I think GE calculate there interest on a monthly bases, based on the ammount outstanding, this could be a tidy sum if it has been going on from the beginning of the mortgage, dependant on its age of course.

 

Also have you checked for PPI.

DO NOT PAY UPFRONT FEES TO COLD CALLERS PROMISING TO WRITE OFF YOUR DEBTS

DO NOT PAY UPFRONT FEES FOR COSTLY TELEPHONE CONSULTATIONS WITH SO CALLED "EXPERTS" THEY INVARIABLY ARE NOTHING OF THE SORT

BEWARE OF QUICK FIX DEBT SOLUTIONS, IF IT LOOKS LIKE IT IS TO GOOD TO BE TRUE IT INVARIABLY IS

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Watch for lines in the statements that say additional int

That means they only charge stat 8% not compounded

 

On the charges

 

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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