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    • Hi I have to agree with @unclebulgaria67 post#3 For the funding side of moving to a new area and it being private supported accommodation I would also suggest speaking to private supported accommodation provider about funding but also contact the Local Council for that area and have a chat with them about funding because if you are in receipt of Housing Benefit certain Supported Accommodation that meets a certain criteria is treated as ‘exempt accommodation’ for Housing Benefit purposes but you need to confirm this with that relevant Council in your new area especially since it is Private Supported Accommodation as each Council can have slightly different rules on this. If you have a certain medical condition look up the charities and also have a wee chat with them as they may be able to point you to different Grants to assist with moving costs and your question about funding for private supported accommodation as well.
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    • Hi Sorry for the delay in getting back to you The email excuse and I do say excuse to add to your account and if court decide LL can't recoup costs will be removed is a joke. So I would Ask them: Ask them to provide you with the exact terms within your Tenancy Agreement that allows them to add these Court Fees to your Account before it has been decided in Court by a Judge. Until the above is answered you require these Court Fees to be removed from your Account (Note: I will all be down to your Tenancy Agreement so have a good look through it to see what if any fees they can add to your account in these circumstances)
    • Thank you for your responses. As requested, some more detail. Please forgive, I'm writing this on my phone which always makes for less than perfect grammar. My Dad tries but English not his 1st language, i'm born and bred in England, a qualified accountant and i often help him with his admin. On this occasion I helped my dad put in his renewal driving licence application around 6 weeks before expiry and with it the disclosure of his sleep apnoea. Once the licence expired I told him to get in touch with his GP, because the DVLA were offering only radio silence at that time (excuses of backlogs When I called to chase up). The GP charged £30 for an opinion letter on his ability to drive based on his medical history- at the time I didn't take a copy of the letter, but I am hoping this will be key evidence that we can rely on as to why s88 applies because in the GP opinion they saw no reason he couldn't drive i need to see the letter again as im going only on memory- we forwarded the letter in a chase up / complaint to the DVLA.  In December, everything went quiet RE the sleep apnoea (i presume his GP had given assurance) but the DVLA noticed there had been a 2nd medical issue in the past, when my father suffered a one off mini stroke 3 years prior. That condition had long been resolved via an operation (on his brain of all places, it was a scary time, but he came through unscathed) and he's never had an issue since. We were able to respond to that query very promptly (within the 14 days) and the next communication was the licence being granted 2 months later. DVLA have been very slow in responding every step of the way.  I realise by not disclosing the mini stroke at the time, and again on renewal (had I known I'd have encouraged it) he was potentially committing an offence, however that is not relevant to the current charge being levied, which is that he was unable to rely on s88 because of a current medical issue (not one that had been resolved). I could be wrong, I'm not a legal expert! The letter is a summons I believe because its a speeding offence (59 in a temp roadworks 50 limit on the A1, ironically whist driving up to visit me). We pleaded guilty to the speeding but not guilty to the s87.  DVLA always confirmed to me on the phone that the licence had not been revoked and that he "May" be able to continue to drive. They also confirmed in writing, but the letter explains the DVLA offer no opinion on the matter and that its up to the driver to seek legal advice. I'll take the advice to contact DVLA medical group. I'm going to contact the GP to make sure they received the SAR request for data, and make it clear we need to see a copy of the opinion letter. In terms of whether to continue to fight this, or to continue with the defence, do we have any idea of the potential consequences of either option? Thanks all
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        • Like

Alphageek Vs GE Capital Woodchester "WON"


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Bought my Dad a car via a loan with GE Capital Woodchester. Started May 2002, 34 month term.

 

Finished paying them in 2006.

 

The more observant among you will be saying "Hello, you mean 2005 right?"

 

Well, long story but, the loan finished in 2005 and as I was paying them via SO and forgot about it, I paid them over 1 years extra payments. I got this back ok once I had dug the paper work out and called them. Didn't have to write or kick up a fuss. They just sent me a cheque for the required amount pretty quickly as I recall.

 

More money than sense? Well, as all the banks and CC issuers were turning their thumbscrews on me in 05/06 I clearly had neither!

 

I remember being pestered to death by GE Cap Wood so I guess there'll have been about 100 late fees on this account as well. Time to see if I can get them back I think.

 

Amazingly, I still have the paperwork. I have scanned it and will post it shortly. I hope they're not too wide and make a mess of the page layout on this site.

 

From what I have read on CAG, this agreement looks ok to me. Would someone with a better knowledge of these agreements take a look and give me their verdict?

 

I intend to S.A.R - (Subject Access Request) them as a first step and was wondering if they failed to produce anything under a CCA, would I be able to claim back all the default penalty charges and all the interest I paid on the loan, remembering it finished long ago?

 

I am pretty sure there were no defaults registered against me for this loan.

The REAL Axis of evil: Banks, Credit Card Companies & Credit Reference Agencies.

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Sorry they're so wide, but with the call for original T&Cs recently I thought I'd do a good job of scanning them.

 

Mods: Add them to any library you might be starting up.

The REAL Axis of evil: Banks, Credit Card Companies & Credit Reference Agencies.

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Just composed SAR. Will send it tomorrow, 1st class recorded.

 

 

My Address

Postcode

Date

 

GE Capital Woodchester

6 Agar Street

London

WC2N 4HR

Data Protection Act 1998 - Subject Access Request

Dear Sir/Madam

 

 

ACCOUNT NUMBER: 00000000000

 

 

Please supply me with a complete list of transactions and charges relating to my banking history with your organisation. Alternatively, a complete set of statements for that period will be acceptable.

 

Additionally, where there has been any event in my account history over this period which has required manual intervention by any member of your staff, or any other person, I require disclosure of any indication or notes which have either caused or resulted in that manual intervention, or other evidence of that manual intervention in relation to my banking business with you.

 

If you are unable to supply this data because there has been no such manual intervention, then please be so kind as to confirm this in your response.

 

I enclose the statutory maximum fee of £10. You have 40 days in which to comply. Furthermore, if I discover that you have levied disproportionate penalties against me, then I shall be reclaiming them, and also reclaiming the enclosed £10 Data Protection Act subject access request fee.

 

Previous addresses you will have for me are as follows.

Address 1

Address 2

If there is specific information which you require in order to satisfy yourself as to my identity, please let me know by return. However, please note that the above addresses are ones which you normally used to communicate my private business to me and which you have hitherto found to be acceptable.

 

 

Yours faithfully,

Alphageek.

Enc: Cheque no. 0000000

Via Royal Mail Recorded 1st Class – DL 0000 0000 0GB

 

 

 

 

Let's see what they come back with.

The REAL Axis of evil: Banks, Credit Card Companies & Credit Reference Agencies.

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Hi, am in right in thinking that GE Cap Wood are under no obligation to reply to a CCA request now the account is closed?

 

Yes, I am sure they have no obligation to respond to a CCA request on a closed account. They still have obligations under the DPA and so you are right in going that way.

 

Section 2.3 of the T&Cs is the bit that shows that late payment is breach of contract.

 

Steven

 

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Section 2.3 of the T&Cs is the bit that shows that late payment is breach of contract.

 

Thanks again Steven.

The REAL Axis of evil: Banks, Credit Card Companies & Credit Reference Agencies.

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  • 2 weeks later...

Alphageek

 

You're on your way!

 

Steven

 

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Any opinions are without prejudice & without liability.

Almost everything I know concerning the law I learned from this site.

 

 

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Ok, I have all the charges in a spreadsheet.

 

Question: The loan agreement shows an APR of 14.2%, is this the same as the interest rate I include in the spreadsheet?

 

I thought the APR and the Interest Rate were different.

 

Incidentally, the online agreement checker shows a discrepancy of 4p in the figures on the original agreement I signed. So I guess it was pretty spot on.

The REAL Axis of evil: Banks, Credit Card Companies & Credit Reference Agencies.

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Yes 14.2% is what you should use. APR=Annual Percentage Rate

 

Steven

 

If this post is helpful, please click the scales

Any opinions are without prejudice & without liability.

Almost everything I know concerning the law I learned from this site

 

 

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Prelim printed and signed along with my schedule of charges. Just over £400 with CCI accruing at 16p per day.

 

In the mail via recoded delivery tomorrow morning.

The REAL Axis of evil: Banks, Credit Card Companies & Credit Reference Agencies.

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  • 2 weeks later...
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Keep us posted

 

Steven

 

If this post is helpful, please click the scales

Any opinions are without prejudice & without liability.

Almost everything I know concerning the law I learned from this site

 

 

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  • 2 weeks later...

The LBA was signed for on the 4th July 2007.

 

Received a letter from the dated the 11th.

 

Dear Alphageek

 

GE Capital Woodchester Account Number: xxx

Our Ref: xxx

 

Thank you for your letter received on 05 July 2007.

 

We always try to provide the very best level of service possible and I am sorry you are unhappy with the service provided on this occasion.

 

The concerns you raised are currently being investigated and a response will be forwarded to you within 4 weeks from the date we received your complaint.

 

Should you require any further information in the interim, please contact me on my number below.

 

A copy of our Complaints Handling Procedure is enclosed for your information.

 

Yours sincerely

Ruth Ritchie

 

Customer Complaint Resolution Team

0870 125 2545

 

Enc. GE Money Complaints Procedure.

The 14 days I gave them to respond positively to my LBA expire tomorrow.

The REAL Axis of evil: Banks, Credit Card Companies & Credit Reference Agencies.

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