Help with gemoney!!

[dx100uk]

if its a letter requesting the charges refund then yes i would

 

dx

[citizenB]

Here you go.

 

You might want to wait a while for others to comment - feel free to amend.

 

You will have to pop in your address, their address, reference and account numbers.

 

HTH

 

UK spooner - letter.doc

[ukspooner]

omg that letter is amazing, will be putting it in th epost in the morning, whats the required SLA for responing to me, is it 8 weeks again?

[citizenB]

It is likely they will now pass this up the food chain so I would say yes, 8 weeks - unless of course they write and ask for more time.

[ukspooner]

well. thats the letter in the post , will update as soon as i hear something. fingers crossed

[citizenB]

[ukspooner]

 

It's been 4 weeks sine they received the letter and still no contact.

Called them today to get confirmation that it was being dealt with and apparently someone will call me in 24-48 hours to discuss.

[dx100uk]

record the call

 

dx

[ukspooner]

Apologies for delay.

I have had a response from GE which us not much different from the first. They refuse ti uphold the complaint but have offered to refund 4 lots of fees more. But will only take them off my mortgage balance. Still.

[citizenB]

Can you post the letter up for us to see ? edit out any personal stuff

[ukspooner]

Can you post the letter up for us to see ? edit out any personal stuff

 

here is the letter they sent, i havnt scanned th elast page which was just an acceptance thing for me to sign stating full and final settlement

Doc-22_08_2012 12_37.pdf

[citizenB]

Hmm, not sure .. will send out S.O.S. for you.

[42man]

If you are in arrears then I think they may well be able to offset against these, BUT you need clarification as to how they will be applied..........some may try and say that they will knock it off at the END of the term which is unnacceptable...

[dx100uk]

i think you'l find he is correct.

 

it a bit like credit cards

unless the account is closed

 

you haven't actually paid them

they are only 'notional'

dx

[ukspooner]

hi thanks for the replys

 

i am no longer in arrears and have not been for well over a year.

and since i was in arreaers at the beginning i did in fact actually pay some of them within my monthly payments

but since the mortgage was capitalised i have not been in arrears since

[42man]

In which case you should have some recourse, your options would be either to go through the FOS or take them to court under COBS - http://fsahandbook.info/FSA/html/handbook/COBS

[42man]

If it was me in your position then I would want a full explanation/full breakdown of how it is being applied, how it affects the interest situation and how the final figure will differ......unless I was satisfied with that then I would want the £££'s. I would also want to know how the contractual interest had effected the loan whilst the charges were in place, and also request contractual interest......the fact they have declined to offer you 8% interest is pants.....

[pocster]

Hi all,

 

Whilst not quite in the same situation I certainly wouldn't trust GE.

What they 'say' and what you get in writing tend to be different.

I now record all phonecalls (as they couldn't provide any). The situation is so bad they wrote too me and said they would no longer respond via phone or letter !!!! - how pathetic!; won't even communicate.

So to the next level! (not FOS)!......

 

Cheers

[bigdave368]

Hi

Did you get any joy with GE Money.

I only ask as im going through same thing with them

[pocster]

Please PM me.

[ukspooner]

Hi all

Just to update you

I managed ti get back just over half of what they had charged me.

But they wouldn't refund in cash instead applying it as a credit on my fees account!!

Whatever that is

As my mortgage is up ti date there was no way for me to get access to the money as it would be used to pay fees if j fell into arrears. So all I did us not pay the mortgage for 3 months then persuaded them to take the arrears out of my fees balance Sorted.

[bigdave368]

Please PM me.

 

Sorry wont let me

[dx100uk]

you cant not enough posts

 

this thread is old please start your own

 

dx

[bigdave368]

you cant not enough posts

 

this thread is old please start your own

 

dx

already got a thread