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    • Thanks everyone for all your help, but unfortunately my case was dismissed. This is the 2nd time I've had this happen now so I doubt ill be taking on any parking firms in future sadly. The judge said I lost it on the grounds that the sign said I had 28 days to declare who the owner of the vehicle was, and said I should have complied with this.  My costs are Judgment for the claimant £133.33 Issue fee Hearing fee Solicitors costs - total £265 grand total £398.33 Do those costs look about right?
    • In that case I don't think you'd have any grounds for a claim against the receiver, short of anything actually criminal. The receiver was appointed by the lender so any claim you make should be aginst them. How much equity do you reckon there was when they took possession? Realistic value less outstanding balance (including arrears).  This messing around makes me wonder even more if the property was wildly over valued. Normally a lender would sell and not really care if they got the best price so long as they covered the balance plus their costs. 
    • Hey @lookinforinfo I'm not sure, I don't believe he told them he's the driver. He must have selected an option saying that he's appealing on behalf of the driver or something of the sort. In more news, however, these wannabe thugs are back at it again. Honestly, what a joke. In the letter they sent before this it said they had made "2 attempts" and in this letter they said "4 attempts", I wonder what happened to the "3rd attempt" lol.  WhatsApp Image 2024-04-18 at 14.06.07_44abc9c8.pdf
    • Hi all, I purchased a car in January from Big Motoring World Leeds. At the time of sale I was shown a tab on the salespersons computer marked 'service history' and I was able to take comfort knowing that the car had been serviced on 3 occasions as the date, mileage and company was there on screen. Being a 3 and a bit year old car that, in my mind, constituted full service history 🤷‍♂️ Anyway, collected the car a week later. Once home I settled down to through the book pack etc. Opened the service history booklet and it was completely blank. In addition there were no invoices detailing that any services had been done. I duly contacted BMW and asked them to supply me with proof of service history. They responded saying that on their 'vehicle documentation checklist' I had ticked and then signed to the fact that I had seen the service history and that I was happy with it. I dug out this checklist and what it actually states is 'seen service history online' which I had in the showroom. BMW seem to think that this satisfies their responsibility in providing service history. The reality is that I don't have any proof that the vehicle has ever been serviced! For my own peace of mind I ended up paying for a service that satisfied the manufacturers maintenance schedule to the tune of £330. I even complained to the finance company that the vehicle contravenes the Sale of Goods act 2015 as l, in effect, ot is not as described. Amazingly they weren't interested and instead I just got an email stating that it's not illegal to sell a vehicle without service history and that servicing costs were part and parcel of vehicle ownership. I've since complained to the ombudsman and am awaiting to see if they can help. I have no issue with the car but the treatment and customer service has been the worst I've ever experienced. I don't really know what to do next as I really do feel aggrieved that I've had to pay to service a car that should have already been serviced. Can anyone point me in the right direction please? 🙏
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Igroup/GE Mortgage + secured Loan + now Engage- beat GE Repo - now Engage Repo **WON** Want to reclaim charges


Pleasehelpme26
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Hello,

Thank you Derwent, that make me feel better.

And also thank to Colly46 for your support. You will be fine I'm sure.

Yes the people on here are totally fabulous, helping unknown others with great advice is humbling. I feel ok actually. I will drop my son off at school on Monday morning and go straight to court. Going to do some Christmassy things with my boys over the weekend and not think about it too much. ( if I can!! ) Hope you all have a lovely weekend xx

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Good for you phm26, as hard as it is, we need to maintain some kind of normality and I too am going to do the christmassy thing today. When I first came onto this site i was petrified and clueless as to what was happening, I now understand the process and realise we cant let these people bully us,and I'm doing everything by the letter that I'm told, and I feel confident things will be ok. I hope one day, I can come on here and give my support and advice to someone in a similar position to myself as others have done for me! Enjoy your weekend guys:grouphug:

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Morning all, just had a letter in post from ge. It informed me of my cmi and also that they are charging £57 each month on each account for my monthly fee contribution. It goes on to say it's to assist me and that a one off payment is not necessary and reduces my additional interest payable. They are also not prepared to suspend additional interest and further fees.

Is this correct? Thanks everyone x

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So are they saying they are taking £57 each month out of every payment you make ??

Help us to keep on helping

Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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You need to be telling the judge that they are taking £57 out of every contractual installment you make, thus keeping you in arrears.

Help us to keep on helping

Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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Hi Pleasehelpme26,

 

Good luck, stick with Ell-een she knows best as I am sure you know.

 

Stay calm, relax, take your time and it will all work out in your favour. Try and get some sleep - much needed I bet.

 

Looking forward to your VICTORY announcement tomorrow.

 

Kind regards

 

HTA xxx

 

PS Does Ell-een ever take any time out for herself? She is a Saint.

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Ell-enn said:
You need to be telling the judge that they are taking £57 out of every contractual installment you make, thus keeping you in arrears.

 

Many thanks Ell-enn, I will and I really appreciate your help x

 

HTA said:
Hi Pleasehelpme26,

 

Good luck, stick with Ell-een she knows best as I am sure you know.

 

Stay calm, relax, take your time and it will all work out in your favour. Try and get some sleep - much needed I bet.

 

Looking forward to your VICTORY announcement tomorrow.

 

Kind regards

 

HTA xxx

 

PS Does Ell-een ever take any time out for herself? She is a Saint.

 

Thanks so much, I will certainly let you know as soon as I can.

Yes Ell-enn is most definitely a saint!!

12 ish hours to go.........

X

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Good Morning Pleasehelpme26,

 

Hope that you had some good sleep last night?

 

Remember, stay calm and focused. You can do this.

 

Perhaps have a cup of tea and review your paperwork to make sure you have everything at hand.

 

Sending you positive energy.

 

All the best

 

HTA xxx

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Hey don't panic.

 

That is just Mr Bully flexing his muscles - too be expected really - BUT - remember Mr Bully is not the Judge!!!

 

Stay as calm as you can - focus on YOUR CASE - try not too worry about Mr Bully - deep breath.

 

Still sending positive energy your way.

 

HTA xxx

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don't fall for the little chats before hand - all done to put you off your stroke.

 

 

complain about all the PENALTY fees over all the years too.

 

 

 

 

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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Hello all,

Went ok,

judge was very nice as was GE's solicitor.

 

Sadly though not all over.

 

I have to go back in 2 weeks,

the judge wants to see if we can get any money to bring arrears down at all.

So on it goes....

 

And thanks so so much to all of you for all of your help and support.

 

You are all wonderful xxx

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Great News Pleasehelpme26.

 

Think about it - Mr Bully did not get his own way = Great News.

 

Did the Judge say how much would be helpful to raise to bring the arrears down?

 

This is still a RESULT - WELL DONE YOU.

 

Am sure Elleen will have calming and reinsurance about going forward from here.

 

Kind regards

 

HTA xxx

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Well done for even turning up. Some people are too terrified to go. Have you approached your employer about a loan which can be spread over sometime to pay it back out of your wages?

WARNING TO ALL

Please be aware of acting on advice given by PM .Anyone can make mistakes and if advice is given on the main forum people can see it to correct it ,if given privately then no one can see it to correct it. Please also be aware of giving your personal details to strangers

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Hello everyone,

 

Thanks so much for all your support and kind words.

 

So the battle goes on....

Ge skeleton points were nasty,

some even bordering on slanderous,

very personal and upsetting.

The solicitor even told me his instructions were very clear..... They want me out!!!!!

 

The judge however didn't take any notice of them.

I was in there an hour!!

 

He is just very concerned at level of arrears and not much to live on after paying each month.

Not sure what percentage of income is advisable to live on.

So eviction was suspended and we have to return in two weeks to see if we can get any off of arrears.

 

Does anyone know if you can draw on a pension for mortgage arrears?

Can't borrow off employer as husband only been there a few weeks.

 

Have decided if we get through this,

we will probably sell early next year,

we have a bit of equity and I'd rather have that than Ge.

 

does anyone have any advice?

 

Also I'm paying the full instalment next week plus a bit off of arrears.

But how do I make sure it goes to my arrears and not £57 to my charges?

 

Thank you x

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Hi Pleasehelpme26,

 

Again well done for yesturday - you did real well. Mr Bully hoofed and poofed but he could NOT blow your house down :-D

 

Perhaps it would help you to refresh everyone on the following points so that they don't have to wade back through the threads: -

 

1/ Arrears outstanding

2/ How many years left to run on mortgage

3/ Approx how much equity in the house

4/ What you offered off the arrears yesterday

 

Hopefully you will get some more excellent advice from the knowledgeable, amazing people on here.

 

Regards

 

HTA xxx

Edited by HTA
Sausage fingers!
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