AA99 v GE Money Car Loan

[AA99]

Thanks Davey, nice little rant;) I have decided on your first suggestion and given them 14 days to reply to me:evil: Am going to post now

[lexis200]

I'd add in Davey's last post - Rant or not, it brings some valid points that I'm sure GE would be less than happy to have sent on to the FOS/TS/any other governing body!

[AA99]

On my way out of the door yesterday to the post office, Mr Davey's secretary called me to say her boss had been phoned and they'd like to remedy my situation. I said I was on the way to post the letter to him and could they contact me when they got the letter. She said yes certainly but they would like to sort it out for me but couldn't find my agreement number, could I just let her have it I said no, sorry, speak to me when they've got my letter:lol:

[maddiemay]

And........AA99 any further developments ? I will keep checking back

[AA99]

And........AA99 any further developments ? I will keep checking back

 

 

I got an EMail response the day after (when it was received) saying the situation was ON HOLD FOR 21 DAYS (till they got their act together)

 

Thank you for looking in, sit tight

[AA99]

Received a letter yesterday saying how sorry they were that I was unhappy with their service, my concerns are being investigated and a response will be forwarded within 4 weeks of my dated letter.

[surprise]

Watch 'em. I had 9 of these letters every four weeks got the same letter. Its because they don't know how to deal with the matter, so much for their Head of Complaints saying to me that lessons would be learnt. They obviously don't listen to him either. I think you need to send all your correspondence to the Chief Executive. You will need to ring them and ask who it is and where he is based. HE was in London when I wrote to him.

[AA99]

Thanks surprise. This is from below:

 

"In the meantime, from their website I phoned on his cellphone the Motor Finance Director who was a very pleasant chap and distressed to hear my problem. He gave me the personal name and physical address of the Operations Manager whom he was going to phone to tell him to look out for my personal letter of complaint."

 

I have also been thinking of contacting this organisation but haven't yet for fear of 'going nowhere'....

 

FLA The Finance Leasing Association......

[surprise]

Don't waste your time with the FLA - did abosolutely nothing to help. All I kept getting was they were awaiting a response from GE Money.

[AA99]

Letter received today in response to my Formal Complaint of 14 Jan. Agreement has been SOLD !

 

 

http://i390.photobucket.com/albums/oo349/AA99/GEMoney/GELetter26Janp1.jpg

http://i390.photobucket.com/albums/oo349/AA99/GEMoney/GELetter26Janp2.jpg

http://i390.photobucket.com/albums/oo349/AA99/GEMoney/GELetter26Janp3.jpg

[davey77]

So they have sold it eh. I wonder if that puts you in a better position. They say that the going rate is 20p in the pound to sell debts on. As with my Halifax account of 1k I now assume that Cabot paid in the region of £200. How likely are they going to be to fight over such a small amount! That's my way of thinking anyhow.

 

Did you get the underwriting sheet from the dealer in the end?

[davey77]

It's also nice to have clear confirmation in writing from GE money that the agreement has been sold. Took two letters to get that kind of information out of Halifax. If asset link start mention their client and they do not have the rights etc you'll be able to fire that off.

 

What's next then? CCA request to Asset?

Edited January 27, 2009 by davey77
spelling

[AA99]

To cap it all, the clutch unit has gone kaput on the car and am going to the specialist dealers after the school run later. From what I've seen on here on Carcraft/NAC Warranty threads, that won't be worth the paper it's written on so looks like some fun could develop shortly!!! The clutch cylinder went a year after I'd had the car also and NAC paid one third of the cost.............

 

Digging through all my files I have also found this Sales Invoice from CarCraft to GE. The figures have been totally juggled around compared to my Contract figures. :???:

 

Sorry, bear with me on the attachment!!!!!!!!!! Dashing school run now and going to agents.... be back soonest !!!!!!!!!

Edited January 27, 2009 by AA99
boshed attachment

[davey77]

It's a bit tiny.. do you use photobucket at all?

[AA99]

It's also nice to have clear confirmation in writing from GE money that the agreement has been sold. Too two letter to get that kind of information out of Halifax. If asset link start mention their client and they do not have the rights etc you'll be able to fire that off.

 

What's next then? CCA request to Asset?

 

Well at least I got a response hey? Have no idea what's next? Am waiting for a Big Boss to assist!!!!!!!! Just going to try that Invoice again:)

[lexis200]

Just reading through all that AA it seems like they've made a rather massive rod for their own back. If you have proof of all the items you have sent them, which completely contradicts what they have said, they've got a little problem I would think.

 

You also have a nice recording of the fact that the DCA is adding fees to the debt - another thing that is against guidelines (for what it's worth seeing as they do sod all about it, but at least it's another show of their ineptitude and general contempt for the rules in place).

 

I'm just wondering if it's worth a letter back taking their response apart para by para - pretty much as you have done on Photobucket. It might be their last response, but BOS and MBNA have had to give me several 'final responses' because I keep refusing to accept them:D

 

It also gives a good overview of their behaviour, and their willingness to outright lie, if it goes any further (but I'm crossing everything for you that it doesn't:eek:)

 

Hope someone can give you a proper idea of what to do next, but those are my thoughts for now.

 

Lexis x:)

[AA99]

It's a bit tiny.. do you use photobucket at all?

 

Let's try again.....

 

 

 

[

[AA99]

Just reading through all that AA it seems like they've made a rather massive rod for their own back. If you have proof of all the items you have sent them, which completely contradicts what they have said, they've got a little problem I would think.

 

You also have a nice recording of the fact that the DCA is adding fees to the debt - another thing that is against guidelines (for what it's worth seeing as they do sod all about it, but at least it's another show of their ineptitude and general contempt for the rules in place).

 

I'm just wondering if it's worth a letter back taking their response apart para by para - pretty much as you have done on Photobucket. It might be their last response, but BOS and MBNA have had to give me several 'final responses' because I keep refusing to accept them:D

 

It also gives a good overview of their behaviour, and their willingness to outright lie, if it goes any further (but I'm crossing everything for you that it doesn't:eek:)

 

Hope someone can give you a proper idea of what to do next, but those are my thoughts for now.

 

Lexis x:)

 

Lexis, thank you so much for your support, shooting themselves in the foot is the expression I am hoping for. Have read and re-read BRW's post

www.consumeractiongroup.co.uk/forum/show-post/post-1857336.html and Atwozee's comments, and am hoping so.

[MARTIN3030]

site team aware of report-please be a little patient.

[AA99]

Thank you so much! Apologies, car is in for £200 repairs as I speak and am about to battle with a Carcraft/NAC Warranty for that next too

[42man]

AA I think they were very wrong to sell this on whilst it was in dispute....I think it could be time to complain to the OFT and the FOS....

[AA99]

Thanks for that chaps:) Yet another mission to travel on...... just what I need

[surprise]

42MAN - I had Citi sell on a debt whilst complaint was actually with the FOS. When I quoted what you've just said, as I was under the same impression, the FOS emailed me and asked me where I obtained this information from. Basically, they are a waste of space when it comes to anything like agreements and OFT Guidelines. However, the FOS did pursue Citi and Citi had to buy it back from 1st Credit.

[AA99]

Thanks for that Surprise, really cheered me up!

 

Will do the OFT and the FOS in the meantime, just don't know how to respond to GE or Asset Link now

[davey77]

If GE are no longer the owners of the account then i would CCA Asset next.