Igroup/GE Mortgage + secured Loan + now Engage- beat GE Repo - now Engage Repo **WON** Want to reclaim charges

[Pleasehelpme26]

2, one 6 and one 1 with a heart problem

[Pleasehelpme26]

Just to say letter all done and ready in envelope for posting special delivery tomorrow. Thank you

[Pleasehelpme26]

Hello, just to say thanks for all your help, it's very much appreciated. I feel like I've done something positive now.

Letter is now posted and will be with ge before 1pm tomorrow. What's next?

[Ell-enn]

Hi there, it always feels better when you do something positive. I'm afraid you will just have to wait and see if they respond. You could also follow up by sending the letter and budget sheet by email - mark the subject title of the email URGENT. We can get to work on drafting a statement for the N244 after the weekend (I am tied up with a wedding and guests from tomorrow until Sunday).

[Pleasehelpme26]

Ok thanks again; have a lovely weekend

[Pleasehelpme26]

Hello, still no eviction date, but have had a letter from ge saying they are still going ahead with eviction.

Seriously is there any likelihood that the judge will be favourable to me considering arrears amount bad offer of payment?

Thanks

 

And not bad

[Ell-enn]

Have they refused your offer of payment in the letter and given a reason ?

[Pleasehelpme26]

No not yet. I had made so many recent complaints and they now seem to think they have addressed them all - they haven't. They have until tomorrow to respond to letter and payment proposal, thanks

[Pleasehelpme26]

Hi Ell-enn, not a proper response from ge, just a paragraph in letter received yesterday.

States cannot accept any more installments as arrears are so high and a court date has been set. Will only stop action on payment of full arrears and all charges of fees and additional interest.........

[Ell-enn]

They say a court date has been set ?? what for ??

[Pleasehelpme26]

They are useless.....I'm still waiting for a bailiff appointment. No one communicates within ge. Grrrrrrr

 

Anyone out there know if ge are allowed to request charges as well as arrears? Thanks so much

[dx100uk]

bailiff appointment?

 

if you mean penalty charges are any other 'fees'

you should be looking to hit them with a reclaim

though of course these will only come off the outstanding balance

so p'haps not the immediate priority.

 

dx

[Pleasehelpme26]

No still no appointment from the bailiff, but ge called me today.

 

They have rejected my offer of payment and said will only stop action if I pay arrears and all my charges in full.

 

Then asked if I would defend in court and I should take in new employment details and contract with me.

 

What an odd thing to say!!!

 

Really appreciate your response so thank you.

[Ell-enn]

Hi there,

 

they cannot add their charges into the arrears

- arrears are missed payments and charges should be added to the outstanding mortgage balance.

 

they cannot demand you pay charges to avoid eviction either, they can only demand the true arrears.

 

Once you get the eviction notice we can help you with the N244 application.

[Pleasehelpme26]

Thanks that's what I thought, they say some strange things. Ok thanks I appreciate that, should have a date very soon. It's dragging now.

[Ell-enn]

You will need to affix a copy of the new employment details confirming salary etc to the N244 so the judge can see how you will afford the repayments + payments towards the arrears.

[Pleasehelpme26]

Ok thanks well my husband starts next Monday so will now be in the new job when we go to court. Thanks for all your time.

[Pleasehelpme26]

Oh I made a payment today, not a huge amount but put a letter in again stating last small payment. Next payment will be cmi plus some arrears.

[Ell-enn]

OK, you should start getting documents together so they are ready to go with the N244. You will need copies of all the letters and emails you have sent to GE in date order, also copies of all letters/emails received from them, a photocopy of your husbands new contract/offer of employment showing salary.

[Pleasehelpme26]

Ok I've sorted out all letters so I will make a copy of each one and I'll print off all the emails. And put in the 2 drs letters. There are a lot!!!!!!! Lol of emails and letters from me, probably about 40 ish. Will the judge be too bogged down?

[Pleasehelpme26]

Right finally had a response from ge today ( 2 days late) and because I requested it in writing again. Due to the stage your account has reached please be advised that we have now applied for a bailiff appoint. We are not agreeable to any ongoing payment arrangement due to the high level if arrears. In order for us to stop legal action proceedings, we would now require the full arrears balance along with the admin fees and interest charges......

 

Is this a standard response does anybody know? Thanks

[northernbloke]

It seems to be a pretty general response.They seem to forget that this is the internet age, when people can find out that they are talking a load of bo--ocks!

[Ell-enn]

They also forget that if the eviction is defended at a hearing it's the judge's decision which matters - not theirs, nor can they ask for charges and fees to be paid to stop eviction.

[Pleasehelpme26]

Aww thanks to you both.... I have in black and white they want charges as well.....gits!!

[Pleasehelpme26]

Hello everyone, my husband starts work tomorrow ( hooray! ) should we start making payments including towards the arrears? I was going to do it weekly. What's the best way to make payment? I haven't got internet banking. Thank you

 

Oh he works a week in hand so planning to make first payment on the 15th