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    • I have sent a response to quote that and also say that i will be submitting my already prepared claim to the county court   Thanks for the quick response! I will see what happens next
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    • Below is the response i have received to the emailed version of the letter of claim.  They should get the actual letter today       Thank you for contacting our Executive Office team. My name is Gavin and your email has been received and I have personally been asked to investigate this matter for you.   I’m very sorry this has happened, and I would really like to help you with this today by assisting you in making a claim, should you wish to do so.   I can see that this parcel was booked through Packlink Shipping. Packlink use our network to send their parcels through, but they are an independent shipper and any enquiries about their parcels need to go directly to them.   Here is the link to the Packlink website and claims department: https://support-ebay.packlink.com/hc/en-gb/articles/360014270619   You can also make contact with Packlink with the links below.   • eBay Delivery Help Center: https://support-ebay.packlink.com/hc/en-gb • Packlink Help Center: https://support.packlink.com/hc/en-gb   I hope this helps you to get your Packlink enquiry resolved.   Kind regards,        
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    • 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!
       
       
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    • Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003
      • 1 reply
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      • 33 replies

GE now Kensington Int Only Mortgage - trouble paying..lots of fees


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I wonder if someone can help me

- Ive got a interest only mortgage with GE MONEY which has been in arrears but OK now.

 

Over last few years have had a few payment arrangements with them and as a result they have added lots of £40.00 admin fees.

I think these add to over £2500 throughout my hardship.

I just wanted to check that was all above board, seems a bit harsh in times of hardship that they actually made more money out of me.

 

Any advice as always is appeciated!:-)

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Youre worrying over nothing. This is all easily sorted if done the right way.

PLEASE NOTE - I am not a legal expert, what is stated is my own opinion and from what I have learnt from this forum and my own experiences.

 

DEBT COLLECTION LETTER/SAR/AGREEMENT TEMPLATES ARE HERE - http://www.consumeractiongroup.co.uk/forum/content.php?65-legislation

 

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In the first instance you should tot up all the 'admin' and various penalties, and write a formal letter asking for a refund....at least if you aren't happy you should give them the chance to rectify.

PLEASE NOTE - I am not a legal expert, what is stated is my own opinion and from what I have learnt from this forum and my own experiences.

 

DEBT COLLECTION LETTER/SAR/AGREEMENT TEMPLATES ARE HERE - http://www.consumeractiongroup.co.uk/forum/content.php?65-legislation

 

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I AM HAPPY TO RECEIVE PM's AND I WILL RESPOND IF I FEEL I CAN ASSIST BUT WHEN YOU DO CAN YOU PLEASE PROVIDE A LINK TO YOUR THREAD ON WHICH YOU WOULD LIKE ME TO COMMENT - THANK YOU

 

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Thanks 42man thats great,

 

Im not sure that I have got all the letters still with the notifications of admin charges

 

should i write to them and ask them for a statement of account since i started the mortgage?

 

Would that be the right thing to do?

 

thanks for your help!

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A good place to start would be a SAR....(unless of course you already have FULL statements from them)

PLEASE NOTE - I am not a legal expert, what is stated is my own opinion and from what I have learnt from this forum and my own experiences.

 

DEBT COLLECTION LETTER/SAR/AGREEMENT TEMPLATES ARE HERE - http://www.consumeractiongroup.co.uk/forum/content.php?65-legislation

 

IF WE HAVE BEEN HELPFUL -PLEASE, PLEASE, PLEASE GIVE A DONATION TO HELP US TO CONTINUE HELPING YOU

 

I AM HAPPY TO RECEIVE PM's AND I WILL RESPOND IF I FEEL I CAN ASSIST BUT WHEN YOU DO CAN YOU PLEASE PROVIDE A LINK TO YOUR THREAD ON WHICH YOU WOULD LIKE ME TO COMMENT - THANK YOU

 

IMPORTANT - If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.

Before you decide,consider the users here who have already offered help and support.

Private message facilities are offered for users to communicate issues that are/or could be seen to be inappropriate for posting on the main forum.Site rules explain this in more detail.

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Can anyone advise me how i go about working out how much i should be claiming back from GE money

- ive had lots of £40.00 admin charges for late payments going back to 2004.

 

Ive got a reply to the SAR request but Im not sure if i should be including interest and if so how much interest as its an interest only mortgage which the amount/rate has varied over the last few years

 

- cheers for any help out there!

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  • 1 month later...

The process is exactly the same as your Very/NDR charges reclaim

 

Here is the spreadsheet to use.

 

CISheet v101.xls

 

The interest rate should be at least the rate they are charging you on the account

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thansk ims21 you have been helping me lots this eve!

How does the interest work if back in 2004 it was 7.45% but more recently its 2.45 % - how do i work that with the compund interest calculator?

THANKYOU V V V MUCH

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You can take an average of the rate being charged over the period of time.

If I have helped you please leave me a message by clicking my star

 

1. Single Premium PPI Q&A Read Here

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I DON'T GIVE ADVICE BY PM BUT IF YOU SEND ME A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER HELP THERE

 

 

 

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OK great thanks Ims21 - im feel slightly nervous about doing this as I had a suspended repossesion order on the house when i had to go to court some years ago, I suppose im worried i might annoy them and they might try and take the house away from me if i start demanding charges back. Is this something i should not be worrying about?

 

Is there a template letter on here that i can use for them?

 

CHEERS IMS21

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It's your call.

 

Before you make a decision have a read of the stickies in this forum.

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1. Single Premium PPI Q&A Read Here

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I DON'T GIVE ADVICE BY PM BUT IF YOU SEND ME A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER HELP THERE

 

 

 

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Here you go

 

http://www.consumeractiongroup.co.uk/forum/forumdisplay.php?171-Mortgages-and-Secured-Loans

 

The top threads all have the word "Sticky" in front of them.

 

Star is at the bottom left of each post (next to the black triangle with the ! in it :-)

  • Confused 1

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I DON'T GIVE ADVICE BY PM BUT IF YOU SEND ME A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER HELP THERE

 

 

 

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Got it thanks ims i didnt know about the star thing!

I have donated whenever i have had help but ill have to go back and add stars now! :)

 

Ive been having a read through the stickies this afternoon and found that I am certain the charges they have made have been unfair and also that perhaps they were a little hasty in taking me to court.

 

I dont know much about a suspended reposession order but do they only last for a certain amount of time

- would it have expired by now or do they last for as long as the mortgage term? I

think the court case took place around 5 years ago.

There doesnt seem to be any paperwork relating to the court case/repossesion order in the SAR.

 

Im just worrying that if i start rocking the boat they might decide to proceed with the order or something like that.

 

So far i have added up about £2500.00 worth of arrears admin charges.

 

Cheers

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The SPO (Suspended Possession Order) remains in place until you have completed the order made by the court. After that you can apply for the SPO to be removed. Much depends on what the SPO was granted for, what the terms were that the court set and whether you have kept to or completed the order made by the court.

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1. Single Premium PPI Q&A Read Here

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I DON'T GIVE ADVICE BY PM BUT IF YOU SEND ME A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER HELP THERE

 

 

 

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Have you not got copies of the documents relating to the court repo hearing i.e. a copy of the court's order?

If I have helped you please leave me a message by clicking my star

 

1. Single Premium PPI Q&A Read Here

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I DON'T GIVE ADVICE BY PM BUT IF YOU SEND ME A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER HELP THERE

 

 

 

Private message facilities are offered for users to communicate issues that are perhaps inappropriate for posting on the main forum. Site rules explain this in more detail.

 

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OK so you have not been repossessed then.

 

Have you kept up to date with the order of the court and/or are all of the arrears now paid off?

If I have helped you please leave me a message by clicking my star

 

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI

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3. Reclaim Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial

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5. Feel Bullied by Creditors or Debt Collectors?

Read Here

6. Staying Calm About Debt

Read Here

7. Thinking of a Full & Final Settlement?

Read Here

 

How To Upload Documents To Cag

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I DON'T GIVE ADVICE BY PM BUT IF YOU SEND ME A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER HELP THERE

 

 

 

Private message facilities are offered for users to communicate issues that are perhaps inappropriate for posting on the main forum. Site rules explain this in more detail.

 

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Thanks ims21.

No was not repossessed I kept up with repayment plAn on the order.

 

I have got into arrears since then being sometimes a month behind payments but am currently up to date.

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  • 4 weeks later...

Ive just got a letter from GE Money saying;

 

"Following a review of your account your monthgly instalment has increased to 393.73 with effect from 30th december 2012.

We have made this change to include repayment of your fee balance of 2436.63.

Should all payments be received, these fees will be paid over the remaining term of your loan.

If your account is up to date you have the option of making additional payments towards the balance of fees and charges or to clear them completely if you wish". etc

 

Just wondering what i should do if anything, not sure what to do next!:???:

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  • 1 month later...

Hi ims21,

I was just wondering if you could possibly point me in the right direction with this,

I dont know whether i should be issuing a claim to them or not,

I dont want to rub them up the wrong way.

 

Im out of arrears and up to date with payments currently,

I received a letter from them recently advising me of the increase in my monthly installment to include repayment of all the admin charges

- but if they have charged me wrongly then i guess it would be good to see some money back !

 

can anyone help thank you

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  • 3 months later...

Hi

 

Sorry you were missed.

 

So have you completed your spreadsheet?

 

Your first step would be to approach GE with a request for a refund of the charges and the associated interest.

 

Here is a template letter you can adapt for this purpose

If I have helped you please leave me a message by clicking my star

 

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI

Read Here

3. Reclaim Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial

Read Here

5. Feel Bullied by Creditors or Debt Collectors?

Read Here

6. Staying Calm About Debt

Read Here

7. Thinking of a Full & Final Settlement?

Read Here

 

How To Upload Documents To Cag

Instructions

 

I DON'T GIVE ADVICE BY PM BUT IF YOU SEND ME A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER HELP THERE

 

 

 

Private message facilities are offered for users to communicate issues that are perhaps inappropriate for posting on the main forum. Site rules explain this in more detail.

 

If you receive a private message which you consider abusive, derogatory or otherwise inappropriate, whether it be about yourself or other members, please report it using the "report" icon

 

If you are approached (or have been approached) by private message with an offer of help "Off Forum" or with a view to asking you to visit another website, please inform the site team via the report icon, especially if this results in a request for a fee. Remember, this is for your own protection

my views are my own and are given in good faith to try and help people. Please seek professional advice on your case if necessary

 

PLEASE HELP US TO KEEP THIS SITE RUNNING

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