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    • Hi. I've moved your thread to the Residential and Commercial lettings forum. People should be along to advise later. HB
    • Ah I never even considered it, odd f9r me because im Tech savvy. Had a look and sure enough its all there in my google timeline. Perfect. 
    • is the home in joint names but this is solely your debt? need far more history to be able to comment if it's paid off and was not just written of by one partly on their books and sold to anther, thus the cra file says £0. dx
    • So, Sunak has managed to get someone to 'volunteer to go to Rwanda hasn't he? .. for just £3000 payment to the person plus 5 years free board and lodging isnt it? - cost to UK taxpayer over £300M+ (300 million quid+) isnt it? - Bargain says Rwanda, especially with all the profit we made privately selling those luxury chalets Bravermann advertised for us   I wonder how many brits would jump at that offer? Thousands? Hundreds of thousands? Lets see, up to 5 years free board and lodging and £3k in my pocket .. I'd go - and like that person - just come back if/when I get bored. First job - off to Botswana for a week to see the elephants.   Of course the paid volunteers going to Botswana are meaningless - Rwanda have REPEATEDLY said they wont take any forcibly trafficked people in breach of international law eh? Have the poops actually got any civil servants to agree to go yet - probably end up as more massive payments to VIPal contractors to go and sit there doing nowt shortly eh?    
    • Hi Wondered if I could get a little advise please. I entered into a commercial lease (3 years) and within a few months I had to leave as the business I was trading with collapsed. I returned the keys to the landlord and explained the situation and no money, also likely to go on benefits but the landlord stuck to their guns. They have now instructed solicitors to send letter before action claiming just over £4000. The lease was mine and so the debt. I know this. I have emailed the solicitors twice to explain I am out of work and that with help from family I could offer a full and final settlement figure of £1500 or £10pw. This was countered by them with an offer to reduce the debt by £400, or pay off the amount over 12 months. I went back with an improved full and final offer of £2500 or £20pw. This has been rejected with the comment 'papers ready to go to court'. I have no hope of paying the £4000 and so it will have to go to court. Pity as I have no debts otherwise but not working is a killer. I wondered if they take me to court, could I ask for mediation? I also think that taking me to court will result in a pretty much nothing per week payment from my benefits. Are companies just pushing ahead with action even if a better offer is on the table? Thanks for your help.
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Reid vs GE Money / Purpleloans Going to Court ***SETTLED***


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Hi Alibobsy,

As I group are now part of GE Money Home Lending you should deal with GE Money, Or I will rephrase that you should try and Communicate with GE Money but no doubt you will find it a pretty 1 sided Conversation.

 

As you will see from post 97 GE have a company policy on treating Customers fairly, Sadly I think the person responsible for writing up that load of drivel forgot to send it out to their staff, which does not at all surprise me as GE's Communication skills leave a lot to be desired, well that is if you are complaining to them, But if it is the other way around it is a differnet story alltogether.

 

Having done a good bit of digging around on GE, and maybe a bit of a comfort is, that it is not only in the UK that this outfit use their company size to bully and Ignore customers, it seems to be a worldwide thing. (try Google GE and court cases or complaints, you will find a good few results which makes for some good reading. (even found ref to my cases on Google..lol)

 

Once you are ready to start on them give us a shout on here and we will muck in and help out..

 

Ian

Lloyds TSB -PPI - Full refund . 05/09/06 :D:p (As Seen on TV) :p

Halifax settled in Full.. :D 22/09/06

TSB First Claim SETTLED IN FULL 19/10/06 :D

Second Claim to Lloyds TSB - Settled in Full

Firstplus - early settlement interest charges - Challenged the use of the rule of 78 - SETTLED IN FULL 12/1/07

PPI - GE Money / Purpleloans / Firstplus - Now Settled after 1 year long hard fight.

 

 

 

If my post has helped you, please click the scales! :grin:

 

Anything said is my opinion and how I understand the law, always consult professional legal advice before taking something to court.

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Thanks for that reidnet.

good luck

ali x

Btw I am no expert just give notes based on what I have read on here and other forums/sites, plus my own experiences and investigations.

 

All ccj's now dropped off file, 2 yrs to go to clear file.

All old debts either settled or made unenforcable.

 

RBS MPP-Full offer at 8 wks from first complaint

RBS Overdraft loanguard-full offer at 8 wks from complaint

Citicard ppi-with FOS finally paid 8 months after offer through FOS!

Capital one x2- with FOS

Monument ppi-with FOS

aqua x2 ppi-partialled settled still pushing for the rest

Black horse ppi-offers made and accepted except for one early loan they say no info held-still pushing for payment

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  • 2 weeks later...

Hello Reidnet and anyone else reading this

 

You wont know me with my new login, but I used to be on here Feb\March as "Danielles Mum" (but I lost my login and couldn't get back on).

 

I have posted on CAG before about my total distain for GE Money\Purple Loans.

 

After sending them 12 letters from Feb this year onwards (from the time I settled my secured loan) I have (like a complete mug!) given them all this time and every opportunity to put things right, which they havent.

 

This week is the week I WILL AND MUST submit a claim. It's keeping my awake at night now, and I am so stressed with all this, I want to cry while I am typing this. : (

 

My claim is for missold PPI (I didnt even know I had signed up for it until I settled my secured loan), and also some unlawful charges, I havent mentioned ERC, but that should probably be in there somewhere as well.

 

Having not been on here for a while, I have just reread this thread and others to get back up to speed, and think you are all extremely brave and I am very grateful to all the information on here.

 

If anyone has a spare 5 minutes and is kind enough to PM me I would be grateful, because I am starting to get very scared now and need to get my court stuff filled in.

 

Matthews Mum (also Danielles Mum)

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Hi Mathews MUM,

I got your PM thanks, your case is similar to mine and I have sent you a rather large PM with some info..lol

 

As for me, Have subbmitted my Document list to court today (due 20th) and also sent GE Solicitors Document / Disclosure list that they have to supply by the 17th August.. Lets see if they do, or what excuses they come up with.

 

Ian

Lloyds TSB -PPI - Full refund . 05/09/06 :D:p (As Seen on TV) :p

Halifax settled in Full.. :D 22/09/06

TSB First Claim SETTLED IN FULL 19/10/06 :D

Second Claim to Lloyds TSB - Settled in Full

Firstplus - early settlement interest charges - Challenged the use of the rule of 78 - SETTLED IN FULL 12/1/07

PPI - GE Money / Purpleloans / Firstplus - Now Settled after 1 year long hard fight.

 

 

 

If my post has helped you, please click the scales! :grin:

 

Anything said is my opinion and how I understand the law, always consult professional legal advice before taking something to court.

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*** NOTICE *** There are Spies in The Camp ******

 

Well Surprise Surprise My suspicions have yet again been proved Correct...

GE Money are Monitoring CAG.. That is a Known FACT... :p :p

 

Anyone requiring Details / Information regarding Problems with GE Money please PM me. I will only reply by PM or to secure Email Addresses.

 

I hope GE Have read the terms and conditions of CAG before entering the website...

Just in case..

 

Entry by Banks and their staff is prohibited. Banks will be allowed to enter the forum so long as they have permission from the Administrators.

 

Ignoring this rule is, in our opinion, a breach of the Computer Misuse Act 1990 - Section 1b.

 

 

 

Computer misuse offences

Unauthorised access to computer material.

 

1.—(1) A person is guilty of an offence if—

  • (a) he causes a computer to perform any function with intent to secure access to any program or data held in any computer;

  • (b) the access he intends to secure is unauthorised; and

  • © he knows at the time when he causes the computer to perform the function that that is the case.

(2) The intent a person has to have to commit an offence under this section need not be directed at—

  • (a) any particular program or data;

  • (b) a program or data of any particular kind; or

  • © a program or data held in any particular computer.

(3) A person guilty of an offence under this section shall be liable on summary conviction to imprisonment for a term not exceeding six months or to a fine not exceeding level 5 on the standard scale or to both.

 

This matter Has now been confirmed as being under investigation by CAG Moderator and Admin,

 

 

Ian.

Lloyds TSB -PPI - Full refund . 05/09/06 :D:p (As Seen on TV) :p

Halifax settled in Full.. :D 22/09/06

TSB First Claim SETTLED IN FULL 19/10/06 :D

Second Claim to Lloyds TSB - Settled in Full

Firstplus - early settlement interest charges - Challenged the use of the rule of 78 - SETTLED IN FULL 12/1/07

PPI - GE Money / Purpleloans / Firstplus - Now Settled after 1 year long hard fight.

 

 

 

If my post has helped you, please click the scales! :grin:

 

Anything said is my opinion and how I understand the law, always consult professional legal advice before taking something to court.

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*** NOTICE *** There are Spies in The Camp ******

 

Well Surprise Surprise My suspicions have yet again been proved Correct...

GE Money are Monitoring CAG.. That is a Known FACT... :p :p

 

Anyone requiring Details / Information regarding Problems with GE Money please PM me. I will only reply by PM or to secure Email Addresses.

 

I hope GE Have read the terms and conditions of CAG before entering the website...

Just in case..

 

Entry by Banks and their staff is prohibited. Banks will be allowed to enter the forum so long as they have permission from the Administrators.

 

Ignoring this rule is, in our opinion, a breach of the Computer Misuse Act 1990 - Section 1b.

 

 

 

Computer misuse offences

Unauthorised access to computer material.

 

1.—(1) A person is guilty of an offence if—

  • (a) he causes a computer to perform any function with intent to secure access to any program or data held in any computer;

  • (b) the access he intends to secure is unauthorised; and

  • © he knows at the time when he causes the computer to perform the function that that is the case.

(2) The intent a person has to have to commit an offence under this section need not be directed at—

  • (a) any particular program or data;

  • (b) a program or data of any particular kind; or

  • © a program or data held in any particular computer.

(3) A person guilty of an offence under this section shall be liable on summary conviction to imprisonment for a term not exceeding six months or to a fine not exceeding level 5 on the standard scale or to both.

 

This matter Has now been confirmed as being under investigation by CAG Moderator and Admin,

 

 

Ian.

 

Hello Ian,

 

Thanks for the warning, there are spies everywhere, so caggers should be very careful what they put on their threads:eek:

If any of my posts are helpful, please feel free to click my scales. All information is given as my opinion only, based on my own personal experiences. I have no legal training, but have educated myself in aspects of consumer legislation. My motto "NEVER GIVE IN, NEVER SURRENDER", THERE IS A WAR ON YOU KNOW

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  • 2 weeks later...

Just catching up on some of my subscribed threads. Any joy yet reid? I decided to hold off with GE just at the moment as baby no 3 is due in October and I am already ongoing with 12 CCA requests for me and hubby (most of which have charges/PPI on as well phew!) plus my PPI claim against Black Horse. But GE are next on my hit list :)

good luck

ali x

Btw I am no expert just give notes based on what I have read on here and other forums/sites, plus my own experiences and investigations.

 

All ccj's now dropped off file, 2 yrs to go to clear file.

All old debts either settled or made unenforcable.

 

RBS MPP-Full offer at 8 wks from first complaint

RBS Overdraft loanguard-full offer at 8 wks from complaint

Citicard ppi-with FOS finally paid 8 months after offer through FOS!

Capital one x2- with FOS

Monument ppi-with FOS

aqua x2 ppi-partialled settled still pushing for the rest

Black horse ppi-offers made and accepted except for one early loan they say no info held-still pushing for payment

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  • 2 weeks later...

Hi all

 

I recently returned from the Republic of Ireland after 6 years away. I bought a car on HP from GE Money Ireland. Before Leaving i telephoned them to ask if i could bring the car back to the uk and continue payments. where i was told no problem and given the bank details to do this. So i set up a standing order to there account using my agreemant no. so first payment from UK was in Feb 07, checked my bank and it had bounced back so i phoned the call centre in Ireland to advise. Where i was then called a theif and told to return the car immediatly. they some how have no record of the call even though i gave them a time and date. I have since called them over a dozen time and was told i would recieve a phone call ( Which never came suprise suprise) so in aug 07 i recieved a letter of termination for the vehicle telling me to return it to Ireland. I have since tried more than a dozen times to contact them with no luck. I have retrieved the MD home address and will send a letter direct to her which usually gets the job done .I will keep you posted

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  • 2 weeks later...

Hi Ali,

Nope still no Joy, Just the usual from GE Money and Evershed.. Maybe one day though Either GE Money or Eversheds will do 1 simple thing...and they may even send the reply to the proper address, As they seem to have the habit of sending copies to the wrong court..lol ( bet Amy is going to be doing some checking now..:rolleyes: )

 

Answer the Questions that I have asked them... Oh and please dont answer my questions with a question...

If not Im sure I will look forward to hearing all your answers in Court in December...

 

Ian

Lloyds TSB -PPI - Full refund . 05/09/06 :D:p (As Seen on TV) :p

Halifax settled in Full.. :D 22/09/06

TSB First Claim SETTLED IN FULL 19/10/06 :D

Second Claim to Lloyds TSB - Settled in Full

Firstplus - early settlement interest charges - Challenged the use of the rule of 78 - SETTLED IN FULL 12/1/07

PPI - GE Money / Purpleloans / Firstplus - Now Settled after 1 year long hard fight.

 

 

 

If my post has helped you, please click the scales! :grin:

 

Anything said is my opinion and how I understand the law, always consult professional legal advice before taking something to court.

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  • 1 month later...

UPDATE

 

Just to say that this matter has now been resolved, I have no intention of posting any details of the settlement etc. All I will say is that the matter has been concluded to my satisfaction.

 

Thanks to all that offered support and advice on this one, special thanks to Hellhasnofury, Bach , Nightmare4banks and all others of whome there are too many to mention.

 

Ian :)

  • Haha 1

Lloyds TSB -PPI - Full refund . 05/09/06 :D:p (As Seen on TV) :p

Halifax settled in Full.. :D 22/09/06

TSB First Claim SETTLED IN FULL 19/10/06 :D

Second Claim to Lloyds TSB - Settled in Full

Firstplus - early settlement interest charges - Challenged the use of the rule of 78 - SETTLED IN FULL 12/1/07

PPI - GE Money / Purpleloans / Firstplus - Now Settled after 1 year long hard fight.

 

 

 

If my post has helped you, please click the scales! :grin:

 

Anything said is my opinion and how I understand the law, always consult professional legal advice before taking something to court.

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Ooh you tease Ian. You let us go all through this and wait aaaaages for any news, and then hold back at the last minute.

 

Well if you're satisfied with the outcome, I reckon it must be a pretty good one, so I'm delighted for you. I'm sure you won't have rolled over too easily for them, so congratulations.:D

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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UPDATE

 

Just to say that this matter has now been resolved, I have no intention of posting any details of the settlement etc. All I will say is that the matter has been concluded to my satisfaction.

 

Thanks to all that offered support and advice on this one, special thanks to Hellhasnofury, Bach , Nightmare4banks and all others of whome there are too many to mention.

 

Ian :)

 

Well done Ian, I know how hard you have worked at this, and how difficult it will be to keep your tattie trap shut:D So it must have been a really good settlement. Beer on you then. Tennants or scrumpy jack:?

 

Thank you for your kind words, but the end of the day you are the inspiration for the ppi forum

 

May I now suggest having got over your mega hangover(deserved of course) you pull your finger out and get back to what you do best. Words of wisdom for the ppi forum. MASTA

If any of my posts are helpful, please feel free to click my scales. All information is given as my opinion only, based on my own personal experiences. I have no legal training, but have educated myself in aspects of consumer legislation. My motto "NEVER GIVE IN, NEVER SURRENDER", THERE IS A WAR ON YOU KNOW

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I echo hell's words, apart from mine's a Stella.:D

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Hi Ian, so very pleased for you, it's been an up hill struggal for over a year now, but just shows you what perseverance and determaination can do.

Lesson to us all. You WON IN THE END.

 

Really well done and congratulations

 

Lynn.

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Well done Ian Well deserved after all that hard slog for a very long time. :D

 

And many many thanks for all your help and support to all the other caggers on the site.

 

Where would be be without your good advice.

 

have one on us mate :)

 

Maggiebroom

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Thanks folks.. :)

 

Well at least one thing, with all the hassles of the past year I have learned a hell of a lot and I will be around to share that knowledge with others on here.

 

Thanks all for the support.

 

Ian

Lloyds TSB -PPI - Full refund . 05/09/06 :D:p (As Seen on TV) :p

Halifax settled in Full.. :D 22/09/06

TSB First Claim SETTLED IN FULL 19/10/06 :D

Second Claim to Lloyds TSB - Settled in Full

Firstplus - early settlement interest charges - Challenged the use of the rule of 78 - SETTLED IN FULL 12/1/07

PPI - GE Money / Purpleloans / Firstplus - Now Settled after 1 year long hard fight.

 

 

 

If my post has helped you, please click the scales! :grin:

 

Anything said is my opinion and how I understand the law, always consult professional legal advice before taking something to court.

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Well done Ian, great work. .

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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