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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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reclaiming PPI GE Money/Loans.co.uk


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then id question the legality of and sols/legal fees too then/

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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I will have a closer look tomorrow to see if there is anything else mentioned about it and will ask my Dad about it.

 

I've redacted the statements and uploaded them into 3 separate PDFs due to the amount of pages there are. I

 

s there anything in there that you think I should definitely rule out?

 

Should the additional interest be added with the rest of the charges?

GE RED 1.pdf

GE RED 2.pdf

GE RED 3.pdf

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DD recall charge

additional int

admin fee

debt counselling fee

solicitors interim legal fee

 

pop them all in our CISHEET individually

pop their int rate in cell d15 [17.25%]

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

is the loan still running?

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

then you cant charge their int rate past that date.

clam to date - set it to that.

 

then take the total the sheet gives

and pop that in the stattint sheet as a whole figure the day after theirs stopped

you are entitled to 8% stat int till they settle

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

Is the Description Total Charges ok or should it be named differently?

 

The last date on the statement transactions was the 16th Oct 2007 balance transfer on settlement so I've dated the Statint sheet as the 17th Oct 2007 starting the day after. Also should I rename the sheet from PPI Redress to something else?

StatIntSheet GE Money.xls

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yep you can rename thing as you feel fit

statutory interest @ 8% till settle,ment

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

no leave it alone it auto increments

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

It's not doing that for me. When I take that date out the figure ends up at -£20,679.71 with -39372 days.

 

Would I be ok in rewording this Mortgages reclaiming charges letter for the charges at their interest rate?

 

https://www.consumeractiongroup.co.uk/forum/showthread.php?390026-Mortgages-Reclaiming-Charges

 

And with the 8% statutory interest should I include that in the letter or keep that separate and how would I word that? I can't find any examples of wording? I don't have the templates with Blemain so I just want to make sure it is all correct.

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so you changed the claim to date?

if you did

that wiped the formula in the cell

either down load a new blank copy

 

or re insert the formula =TODAY()

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

I had used a copy of the one I used for Blemain and put the date in manually :oops:. I've downloaded a new copy and the formula is correct and the date is today's date.

 

 

Should I keep the unlawful charges and the 8% statutory interest in the same letter with the spreadsheets attached?

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yep fire it all off both speady's and a covering letter too

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

  • 2 weeks later...

Just to give an update to the complaint

 

a letter arrived today saying GE Money Servicing is writing on behalf of the lender with reference to the letter we sent.

 

It says they are sorry you felt the need to complain,

a thorough investigation will be conducted into your concerns,

once we have completed this we will write to you with our findings.

 

If this takes longer than four weeks to complete we will send you a letter informing you of our progress. T

hey also included a leaflet which is a guide to making a complaint.

It does say in their guide they will respond to a complaint within 5 working days so that is what this letter is.

 

Hopefully it will be sorted soon.

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  • 3 weeks later...

Another update.

 

Today we received a letter saying they are writing to say they are not yet in a position to tell the outcome because they are awaiting further information in order to complete the investigation

 

that they will do their best to provide a full response to the complaint as soon as possible and will hear from them in any event within the next four weeks.

 

They also give a contact number if there are any queries regarding the matter.

Edited by dx100uk
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  • 2 weeks later...

There has been another update.

 

A letter arrived today. It says our understanding of your concerns is that you believe the fees and charges applied to your account are unfair and you believe the fees applied to your account do not reflect the true cost GE Money have entailed.

 

In relation to any charges applied to your account on or before March 2007 are time barred under the Limitation Act 1980.

This is these fees were applied to your account more than 6 years ago.

 

In relation to any charges applied to your account after March 2007, under the FCA's Dispute Resolution Rules we can reject a complaint without merits if the event you're making a complaint about took place more than six years ago or if later more than three years has passed since you know or reasonably should have known they had a reason to make a complaint.

 

The Financial Ombudsman may wave the time limits above but only in exceptional circumstances.

 

We are rejecting your complaint without considering its merits because the fees and charges you are complaining about occured on or before October 2007 which is more than six years ago and we beleieve that you should have been aware and complained within the last three years.

 

It goes on but they give details of the Financial Ombudsman and the Citizen Advice Bureau.

They say a £40.00 arrears fee was applied once but this is applied to every account that falls in arrears without an arrangement in place, this cost covers them monitoring the account and contacting the customers by phone and they advise this is their final response on the matter, they will not communicate directly with us again unless new information is brought forward.

 

What do you think we should do?

Is there really a time limit on the charges?

Edited by dx100uk
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its when you became aware

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

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

I have looked through all the links and read many pages.

My Dad is unsure about the lba and going to court because he is not wanting go go through the stress of it all and we don't know what the costs could be if it did in fact go to court and wasn't successful.

 

you think sending a lba stating that my Dad only became aware this year of these charges via the SAR and quoting the Limitation Act 1980 S32 1 © would make a difference?

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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... 

Link to post
Share on other sites

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