so what have you done or planning to do?

yes i intend to claim once rid. thanks for link

so you think i can still claim back

yes thats what i intend. take them to cleaners!

Hi Has anyone dealt with GE Money when settling early? I opened a secure loan for £15K over 10 years in June 2006. I am at the minute remortgaging and joining this loan to our new mortgage. I have just received the redemption statement and states the foolowing: Outstanding account balance as at 15/2/08 £14,710.78 Interest to add to settlement date £145.66 Early settlement fee to add £160.94 Security Discharge fee to add £200.00 Sum required to repay on or before 14/3/08 £15,217.38 How come we have paid over £3500 since June 2006 and we owe £217 more than we borrowed! I rang them today and the lady basically just said it was interest and fees and nothing I can do. Said I was given terms when signed, but was not told anything about redemption fees if settle early. My current mortgage paying nothing to settle early and that was for £100K What is going on, any advice?

i have just sent through as MCOL as rang my local court and they would probably stay anyway. never mind

are you been funny....i come on this site for help and advice and also to help people if they ask. i only said i intend to put claim through MCOL as its for mortgage not bank charges. Previous one went through ok as not bank charge claim.

well i have just had a settlement with bOS with a credit card so will continue with MCOL as normal - i will add a bit in so consider without a stay

but are they not just staying the banks not mortgage or loans?

yes goldlady, go for it. they must all be sick of us LOL

thats great news! i await my money! this is such a good saving scheme lol:D

how come they give you 19.8%

ok thanks will let you know how i get on. i will fight

thanks - will keep you up to date

oh yes £4 great! i am not sure how much can be charged in 1 month sorry. get your 1st letter done and ask for charges back

hi sent request for charges off 25/1/07 for £275 plus interest received letter 11/2/07 teling us to get lost writing lba letter and then will fill to court if not paid. the letter 11/2 stated they have right to charge £40 admin fees etc and loads of waffle. as if i am bothered!

hi sent sar 6/2/07 sent LBA Section 7 letter 16/4/07 as failed to reply to sar received info 19/5/07 sent for request of payments 23/5/07 received get lost letter 13/7/07 sent LBA 15/7/07 received letter 27/7/07 get lost again this is for a credit card and i am asking for payments from 1995-1997 and will use the lit act to reclaim charges. did the same with halifax and won claim from 1991-2007. i am now putting claim to court

sent SAR and received all info 20 aug 2007 sent for request of payment 4 sept 2007 for £79.67 including interest received get lost letter 11 sept 2007 sent LBA letter 20 Sept 2007 received letter 10 Oct 2007 offering £22.50 as gesture of goodwill wrote 11 oct 2007 to turn down offer applying to court now for claim as charges now £82.34 including interest this is for a HP account not bank account

sent SAR 16 May 2007 received info back 25 Sept 2007 requested payment of £210.59 for charges including interest received 'no way' letter on 11 oct 2007 sent LBA letter on 18 Oct 2007 now going to apply for court as payments now £214.40 and growing everyday. this is for a loan account not bank account

hi sent a request for payment off in November for claim back of bank charges. Charge was £39 for a failed DD of £4.32. Wrote to Halifax in the hope they may refund as pay went into back the following day. No joy! I then found another charge for £35 for a failed DD in January for £12.74. How are these amounts different? I wrote again requesting payment but got letter back saying no way! I wrote a LBA letter which deadline was today and no letter. Looks like court claim now...... for £74.85 including interest

hi i have sent all relevant details and paperwork to OFT and await their reply. I hope its good news. If they cannot find the paperwork, could i claim back everything I have paid or not. Also, could i get the CCJ removed from 2004?

i had a loan with ge money and had missed 2 payments. they sent me a default letter but if paid within their timescale which is on the letter they remove from your file. i see though, this could be extremely hard for you. therefore, i would get in touch with CAB or solicitor to see what you can do. dont ignore it, act on it and get help

yes thats how i feel. didnt want to file as havent got the money to do so at mnute and wait months to get back. i might try and submit a few - the larger amounts asap

i am just concerned as I have 7 cases not filed in court yet. worried incase loose out.

so if we dont have cases filed in court yet, will we not be able to claim even though we have submitted SARs and LBAs letters?