Hi..this is up to the end of 2012. I need to request the figures for 2013, which I will do tomorrow.[ATTACH]48909[/ATTACH]

Thanks....just doing it now.

Do you know where I get the interest rate from?. The original interest rate was 11.78 and the latest paperwork says a monthly rate of 1.173%. I'm not sure what to put in the box

Will do. Thankyou so much

One more quick question. I don't really understand why I did 2 different spreadsheets in post 18. Is there a template available so that I can start again and get it right. I have all the charges listed.....I just need a template to work out the interest. Or are the 2 I did previously correct?

Ok....the charges have carried on since then so I can update that. Sorry but where does the interest rate come from?. Is is set or do I need to look for it on the documentation?

I have had a 'final' response from them this year, saying that there charges are fair and just so I think I have exhausted their process. they also pointed about that I can't get help as this loan was over 35k and therefore the FOS can't do anything

I haven't no. I have seen things on the forum about a template.....do you have a copy and I will do it tomorrow and upload it. Thankyou for your help

Thankyou. I received the LBA response from GE in March 2013. Do I need to do it again?. Basically, over the past few years I have tried to claim from GE several times and also written to both the Ombudsman and the FSA and got nowhere. I'm sorry but I just don't know what to do.....I'm not sure what I need to prepare. I have all the documentation (previously uploaded). What else do I need?. Sorry if this sounds a bit dim....I am just a bit out of my depth and don't know what the right thing to do it really. Thanks

Hi...some time has gone by and I have finally accepted that I need to go to court to try to claim back thousands in interest and charges over 8 years. Can anyone out there help me with what to write on the form. I have found the MCOL site and know that I need to claim online but I don't know what to write. GE have been charging me over £500 per month for years, made up of interest and charges as I fell into arrears within months of taking out the loan. Is there a template which might help me?. Thankyou in advance for any help you can give me.

Thankyou HB...really appreciate your help

Hmmm.....not looking good is it?. I have followed your advice and emailed TPAS. I did look at the website you suggested but the big difference is that this is not being sold as a pension loan or any other attempt to release funds from a pension. It is very much a commission. But I am not going to do anything until I have some more evidence so thankyou,

Thankyou. I really appreciate your help..........

Hi..thankyou for the information. However, I have asked if this is either a pension loan or a pension liberation scheme and been told categorically that it is not. I have also been told that the company used is regulated by the FSA. Are you sure that this is what it is???

Hi...I am not accessing the pension at all...and this has been explained to me. I would be receiving a commission for moving the pension into a SIPP and leaving it there with a 5% commission until I retire and can access it. That is my understanding. I found Artemis on the web when I was looking to see if I had any options with this. I soon found out that I couldn't access any pensions before retirement age but Artemis said that this was not a problem and I could still access approximately £5k by doing this.I would do this in a moment....if I was sure that it was legit! :-)I have no experience of this sort of thing and am just worried that I would not get anything and lose the pension to boot!