Help with gemoney!!

[ukspooner]

HI all

apologies firstly as i think i may be posting this in the wrong place but i have searched everywhere and cannot find where to put this thread.

 

i know everybody is claiming there bank charges and ppi's and all sorts,

but can i claim back any of my fees to gemoney for my mortgage?

over the last 4 years i have paid somewhere in the region of 2000+ in late fees admin fees and interest on fees and then interest on that interest.

never really thought about this before it was only when i saw someone alses thread about mortgage arrears.

[ims21]

Hi

 

Yes you can

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?244476-Reclaim-unfair-mortgage-arrears-fees-FSA-says

 

ims

[ukspooner]

hi

thank you so much for confirming that for me

do you know if there are any letter templates on here for the whole proccess starting with how i get a full statement of my account since day 1

Hi

 

Yes you can

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?244476-Reclaim-unfair-mortgage-arrears-fees-FSA-says

 

ims

[dx100uk]

treat it the same as a CC ppi claim see below

 

you'll need to sar them first

to get all the statements

 

dx

[ukspooner]

hi dx

instead of using a sar request i thought i would try my luck over the ohone and just ask for the info, and it would appear that i got lucky they are sending me all statements since the start of my mortgage.

can you advise on how i work out what to claim do i add interest or just add up all the fees and additional interest they have already charged me. we have estimated it to be about 3700 we have paids in fees before getting out mortgage straight.

and what letter do i use to write to them?

 

thank you in advance

treat it the same as a CC ppi claim see below

 

you'll need to sar them first

to get all the statements

 

dx

[dx100uk]

the SI spreadsheet

 

unless you can see from the statements that they have charged int on them too

 

then it will be the CI one and you put their Int rate in D15

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?330996-Latest-Spreadsheets-PPI-Claims-and-Charges-Claims-Dec-2011#

 

dx

[ukspooner]

so i add up up the admin fees which is £40 the additional interest which is between £30 and $£50 per month both of these are on the statements) what about direct debit recalls, default notice charge and solicitors fees are these claimable or not?

they have chargd me nearly £500 in solicitors interim legal fees in a 2 month period (i dont recall being notified abou thtis at the time ) this was around the time they tried to repossess me untill i got a suspended possesion order,

sorry for all the questions but this is all abit confusing to be honest.

 

 

 

the SI spreadsheet

 

unless you can see from the statements that they have charged int on them too

 

then it will be the CI one and you put their Int rate in D15

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?330996-Latest-Spreadsheets-PPI-Claims-and-Charges-Claims-Dec-2011#

 

dx

[dx100uk]

slow down.........

 

if the penalty fees are being added to your mortgage statement then they will attrach interest naturally every month since levy

[you dont pull any interest payments listing from your statements UNLESS in says 'interest on charges' specifically]

 

this is why i was asking the question above

 

if they are attracting interest - then ues the CI spreadsheet

 

if they are not attracting interest - use the SI spreadsheet

 

eitherway

 

you must put in EVERY individual penalty charge - its date, reason, cost

in the three cols

 

not sure on sols fees but the rest YES

 

dx

[ukspooner]

dx is it possible for me to semd you just a simplescreenshot of the statement so you can advise which ones to claim for as it all looks a bot wierd to me.

[dx100uk]

scan the required letters/agreements/sheets

as a picture[jpg] file

remove all pers info inc barcodes etc using paint program

but leave all figures and dates.

 

goto one of the many free online pdf converter websites

it would be better to upload a multipage pdf

than many single ones

or if you have PDF as an installed printer drive use that

or use word and save as pdf

open a new msg box here

hit go advanced below the msg box

hit manage attachments below that box

hit the add files button on the top right

hit select files, navigate to your file on your pc

hit upload files

NB:you can set where it goes in the post by hitting insert inline.

then hit reply button

dx

[ukspooner]

thats great ill reinstall my scanner and get that done thi sevening

[ukspooner]

DX

 

please see attachment.

 

thank you for your help with this

 

merged.pdf

[dx100uk]

i would say:

admin fees

additional int

dd recall charge

 

as for the sols fees

 

am going to ask

 

i have a feeling they cannot do this either as the court case would have had sol charges in the judgement if theyhad won

they did not!!

 

can you tell us more about the this bit "was around the time they tried to repossess me untill i got a suspended possesion order,"

 

dx

[ukspooner]

DX

 

i have just spoke to GE about these fees.

from my own memory what happened was they were taking me to court for a possesion order but we managed to come to a payment arrangement before it went to court, so what they did is carry on with the court hearing and only applied for a suspended posession order which was granted.

 

what they have just told me is all the fees are for their solicitors costs and the court hearing, i spoke to the customer service manager and he has passed my query on to the litigation team who handle the accounts in arears, and they will write to me with more info and a breakdown of what the fees consist of.

 

i would say:

admin fees

additional int

dd recall charge

 

as for the sols fees

 

am going to ask

 

i have a feeling they cannot do this either as the court case would have had sol charges in the judgement if theyhad won

they did not!!

 

can you tell us more about the this bit "was around the time they tried to repossess me untill i got a suspended possesion order,"

 

dx

[ukspooner]

my account is now squeeky clean as they decided they could capiatalise my areaars and add them on to my mortgage term, i asked them if i could do this over 2 years ago which theywould not, but a couple of months ago they decided that would be the best option. dont make sense because if they had done this when i requested it it would of save me over £1500 - £2000.

[dx100uk]

i've asked the siteteam on this team on this

 

still dont think any of the fees are not a PENALTY fee so can be reclaimed

 

dx

[ukspooner]

:oops:thats great, that gives me a total of just over £3500 to try and claim back.

errr whats the first letter i send? lol

[dx100uk]

did you read the thread in post 2.?

 

dx

[ukspooner]

hi

i did read it but was hoping there was a template i could use as im no good at writing letters.

[ukspooner]

template found giving them 14 days to respond before i take them to court, i trust this is the correct letter?

total reclaim is £3524.

[dx100uk]

ok so you are going ahead without the sol fees included

 

there are letters in the templates library green tab top left

 

however

 

its always better to do it yourself

 

they'll know you mean business and not following the 'pack'

 

dx

[dx100uk]

you must give them 8 week at least

 

dx

[ukspooner]

thats the total including sol fees.

 

ill try and reword the letter to make it look more personal, and take out the bit about 14 days and put 8 weeks as stated by the fso.

ill get it posted tomorow

realy apreciate all your help with this.

do yu know of anyone who has been succesfull againts GE Money?

[dx100uk]

GE certainly wriggle on all other claims

 

it was the broker

it was the advisor

etc etc

 

we'll jump that fence if its put up.

 

dx

[ukspooner]

thats the letter posted, will update you in 8 weeks unless they respond sooner lol