Jump to content


  • Tweets

  • Posts

    • Thank you both. My defence was as vague as their Claim. 1. I am the defendant in this claim and litigant in person. All allegations made by the claimant are denied. 2. The defendant does not recognise the alleged agreement xxxxxxxxxxx as mentioned in the particulars of claim therefore it is denied that any such agreement exists. 3. The defendant has requested copies of the alleged agreement under Data Subject Access Request, Consumer Credit act 1974 s.77/8 and Civil Procedure Rules 31.4 but to date the claimant has failed to provide a copy of this document. 4.The defendant has also requested copies of the default and termination notice for the alleged account xxxxxxxxx as required to legally enforce the alleged debt, but again the claimant has failed to provide either. 5. In addition the defendant has requested copies of statements for the alleged account xxxxxxx showing the amount of monies allegedly owed to the claimant. To Date these have not been provided. 6. The defendants view is that this claim is vexatious and an abuse of process as the claimant has failed to provide any documentation to support their claim and respectfully requests that the said claim be struck out.   As an aside, I noticed that the 'statement' they did provide had a different figure on it to what they are claiming, so I will hopefully be able to flesh out quite a bit in my skeleton argument.   Spam 
    • 80% refund sounds like a very good deal* as they are entitled by law to deduct an amount from the refund to reflect the use you have had of the item over the 12 months it has been working.   So you could argue that a deduction of 20% for one year indicates that they expect it to last for at least five years, and probably longer.     * Think about it this way - would you pay 80% of the value of a brand new iPad to buy a second-hand one that somebody else has been using for over a year, or would you expect to get it cheaper than that?
    • Hi WoodDD.. Neither Case was cited in the VSC WS... however, MR D form VCS threw in VCS v Ward & Idle for the Judge to consider during the hearing. The Judge did not have time to review this. I believe he may have had a quick scan but decided it wasn't relevant at the time.. By not relevant, he didn't elaborate if it was not admissible or anything else..   Hope this helps..   Regards Tom     
    • Can I  ask what you mean by "... they recommended a firm... "?   I ask because I'm a bit surprised that Social Services are even allowed to do that.  (I may be mistaken and that this is common practice, but it seems a bit odd to me).   If they did do so and the work has turned out to be sub-standard and unsatisfactory, I would have no hesitation in making a formal complaint to the council and also to my (or your friend's) local councillor(s).  You acted on the council's recommendation and you should have a reasonable expectation that the firm recommended should be reliable and professional.  I would also insist that trading standards be asked to investigate this firm.  (Where I live our local county council trading standards department runs an approved trader database).   A complaint to the council might not directly assist you but it might help to prevent others being taken in by this firm.
    • Hello Susan, welcome to CAG.   Hopefully Paul Walton will see this message and reply to you, but it would also be a good idea to start a new thread of your own so we can advise on anything else connected with your refund.   Best, HB
  • Our picks

    • I sent in the bailiffs to the BBC. They collected £350. It made me smile.
        • Haha
        • Like
    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
      So I issued the claim on day 15 and they requested more time to respond.
      They took until the last day to respond and denied the claim, unsurprisingly saying my contract was with Packlink and not with them.
       
      I opted for mediation, and it played out very similarly to other people's experiences.
       
      In the first call I outlined my case, and I referred to the Contracts (Rights of Third Parties) Act 1999 as the reason to why I do in fact have a contract with them. 
       
      In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
       
      In the third call the mediator said that they would offer the full amount. However, he said that Hermes still thought that I should have taken the case against Packlink instead, and that they would try to recover the court costs themselves from Packlink.
       
      To be fair to them, if Packlink wasn't based in Spain I would've made the claim against them instead. But since they are overseas and the law lets me take action against Hermes directly, it's the best way of trying to recover the money.
       
      So this is a great win. Thank you so much for your help and all of the resources available on this site. It has helped me so much especially as someone who does not know anything about making money claims.
       
      Many thanks, stay safe and have a good Christmas!
       
       
        • Thanks
    • Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003
      • 1 reply
    • Natwest Bank Transfer Fraud Call HMRC Please help. https://www.consumeractiongroup.co.uk/topic/428951-natwest-bank-transfer-fraud-call-hmrc-please-help/&do=findComment&comment=5079786
      • 33 replies

GE Money being sneaky?


Please note that this topic has not had any new posts for the last 1997 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

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?

Link to post
Share on other sites
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

Link to post
Share on other sites
  • 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?

Link to post
Share on other sites

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... 

Link to post
Share on other sites

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

 

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

Link to post
Share on other sites

: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:

Link to post
Share on other sites

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

Link to post
Share on other sites

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.

Link to post
Share on other sites

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

Link to post
Share on other sites

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 ...

Link to post
Share on other sites
  • 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

Link to post
Share on other sites

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

Link to post
Share on other sites
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?

Link to post
Share on other sites

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

Link to post
Share on other sites
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!!

Link to post
Share on other sites

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

Link to post
Share on other sites
  • 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.

Link to post
Share on other sites

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... 

Link to post
Share on other sites

Thats what I thought dx, but then maybe I should let this money be credited to the account and then send a SAR? That way I have a definate figure to challenge if any calculations I make give a different sum.

Link to post
Share on other sites

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

Link to post
Share on other sites

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... 

Link to post
Share on other sites
  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...