well, sounds like a stupid question but why do we have to have so many accounts with so many institutions. I am sure there are some who preferred to be just paid on pay day and the pay department would just have to deal with it, its a system that worked for centuries. I am sure someone will shoot this all down as unworkable but the thought of the omnipotent banks not having it all their own way is a good one for me today:)

not read it but fairly typical in this financial climate, politics and the rest, while the ex govt admits to not having tight enough control over the finance induatry the current also rides on that wave while also doing nothing to bring natural justice to the public who by the way have the vote. actually, i am old enough to remember my dad bringing his wage packet home in brown envelope with the cash inside it!! he never had a bank account - ever - my god i think that was the right way to go!! when did the banks with much help form govt get so much of our lives in their pockets -

yes Ocwen, have a class action against them in US, who bought them up, as my mortgage was with them and somehow or other GE got hold of it, and I think a UK bank is involved, let me see? yes RBS bought out Ocwen

GE are still fighting as hard as they can to repossess people who have lost their jobs, become ill, etc etc. and who will never benefit from the various schemes due to their exhorbitant rates to start with and their wholly unfair charging regime - they are a global business and as such are seen by the eyes of the world.

cannot see this as so small

i agree, it had gone quiet!!??? any movement out there, for anyone? - my question is, i have all my statements and a calculation of the hideous 'admin charges' at £40 monthly, and the interest total on their screen print, however, first thought is - can i trust that figure as correct, copy of info they hold, as i can work it out from the other info. AND - how do i reach the 8% statutory interest on these charges. which spreadsheet do i use, simple or compound (thats right no good with figures which is how this bunch got me and thousands of others to take their products) thanks, quite urgent please:)

yes, what happened, do let us know, many of us are also being repossessed by GE!

thanks Campari2, it is good to see you on here, i know you have had some success. I am confident my advice so far is good and just putting it all into place now.

Hey, I need to put in my defence in next 72 hours and no replies yet? BUMP counterclaim due to the Unfair Charges Under FSA rules,FSA MCOB rules re this threads creation, and the S140A Unfair relationship. BUMP

thanks, answer is the court can!!

HELP - anyone know if unfair charges go on the Defend and Counterclaim form or just use the Defend Residential Mortgages court form??? URGENT

is this still live this contact or do you have an email?

thanks Campari2, yes N11M used now, adjourned.

thanks.

who can reopen a contract which is found to be missold?

sorry my mistake

ellen your pm is full i think? can you clear?

interesting and helpful:)

thanks:)

sorry, been on the PM side of it:) yes got my paperwork sorted, will update tomorrow.

thanks, so tired of it all now, - i have tried veryhard to deal with this unlawful pratices and so on but truth is that legal aid is not about the income you have but also if you can demonstrate your strength of case, using a barrister of course, whowants paying of course, cos the folk deciding the strenght of your case is not your solicitor but the jolly old folk at legal aid office, so much for rights, believe it is complex, it is all about the lenders, look at securitisation, secret commissions, the ordianry person has no chance, like i said, thousands put out of their homes to these vultures. i accept your advice.

already asked fos to look again, they still say same, then cant go above them to independent if you just 'disagree with their findngs' its a shambles, folk have NO WHERE to go when they get shafted by the likes of GE, the govt removed the funding for legal help, have you tried the cls, talk to you over the phone, thats it!! how is that any help, i had to correct them, some of the stuff they advised was just wrong, its a mess, lots of people are gonna be losing their homes thanks to the govt, and the banks and financial institutions that are just robbing me of my money, they had their money but want me to pay till i die yeah not calm very angry

but what about mortgages non regulated i.e over 25K ??? I thought that the CCA 2006 was retrospective on unfair terms and treatment of customers regardless of regulated on non regulated, thought I saw a thread also on that?

thanks, fortunately i had all this sorted re their statements from the SAR, and had an accountant look at it, their figures are wrong, wrong, wrong, i have it all labelled, documented and sorted, i just need to fill in the forms. I most certianly will be complaining about them. thanks very much for all your support caggers:)