GE Capital/Money (Postal Address) - Also for DPA requests

[Bookworm]

GE Capital Bank Limited
PO Box 700
Leeds
LS99 2BD

[mahala]

Should you need to file a claim, here's the none PO Box address:

Sarah Wainwright
Data Protection Administrator
GE Money
Trent House
Toll Road
Leeds
LS99 2BD

[towelie]

Does anyone have a direct email address to them please?

[Montague123]

I have a ge capital account and have some doubt as to whether they have a signed agreemement

I keep searching the threads - can anyone help with regards to what letter i need
I know it isnt the Data Protection Act

HElP
Thnks

[toksoz]

Any correspondence should be Addressed as follows....

Sarah Wainwright
GE Money
Data Protection Administrator
PO Box 700
Leeds
LS99 2BD

[JonCris]

Originally Posted by Montague123

I have a ge capital account and have some doubt as to whether they have a signed agreemement

I keep searching the threads - can anyone help with regards to what letter i need
I know it isnt the Data Protection Act

HElP
Thnks

Correct its A CCA as follows:

Dear Sir/Madam

I do not acknowledge ANY debt to your company. I require you to supply the following documentation before I will correspond further on this matter.

1. You must supply me with a true copy of the alleged agreement you refer to. This is my right under your obligation to supply a copy of the agreement under the legislation contained within s.78 (1) Consumer Credit Act 1974 (s.77 (1) for rolling sum credit) - your obligation also extends to providing a statement of account. I enclose a £1 postal order in payment of the statutory fee, PO Serial Number*******

2. You are notified that you are obliged to supply these documents, whether you are the original creditor or not under S189 of the CCA 1974.

3. Non-compliance with my request is a criminal offence under the above Act and will result in a report being submitted to the relevant statutory authorities.

4. As you are aware, a credit agreement that is not properly documented and signed by the customer is totally unenforceable under the CCA and therefore is a complete defence to any court claim that is issued.


5. Furthermore you are reminded that under s78 sub section (6) whilst the default continues you are not entitled to enforce the agreement in law

Yours faithfully


PS If they don't have a signed agreement then you don't have an account do you

[alf]

Could someone help me please? Years ago about 5 to be precise we bought some products from 'Currys' now these were taken out on finance, you know the kind, pay back within 6 mths i think it was, if you dont then you pay monthly to GE Capital, this was done at the time with a payment book at the bank/post office. We cannot find any details whatsoever with reagrds to the accounts that we had with them, is the address in leeds the one we would use, could we send them a S.A.R - (Subject Access Request) for statements, even though we dont know the account, maybe send ID. If anyone could help with we would be very gratefull.

thank you

	Subject Access Request A Subject Access Request is a demand which you can make to any organisation to disclose any personal information which they hold on you. The right to disclosure of data is provided by the Data Protection Act. There is no time limit. The organisation is obliged to reveal everything they have about you - which you ask for - as far back as you ask for. There are very few exceptions. It does not matter whether the data is held on microfiche, in an archive, on tape, in a cardex system, in sound recordings or in screen notes. Some companies are saying that they do not have to disclose where it would be difficult to do so - "disproportionate effort". This is untrue. Disproportionate effort refers to something else under the Act. If you are seeking bank charges information then you should ask for "all data held on you" and you should make it clear that you want everything as far back as it goes. Do not be put off by excuses. Do not accept being fobbed off. It is not in your bank's interest to make full disclosure to you. This means that it is in your interests to get it. If you have not started gathering your bank charges information yet, then you should start now. There will soon be a big rush once the OFT test case has been settled. Get all of your bank account informtion as far back as possible. At least as far back as 1995. If your bank says that they don't keep data as far back as this, don't accept it. Be persistent. They've got what you need in some form or other.

[debt_mountain]

yes, this is the correct address.

[karlshields]

i had a comet card, tho after so many charges they pass the debt on to a different company cos i couldnt pay, tho im repayin still, a lot of the money money im paying back is late payment charges, do i still do a S.A.R to GE Capital??

[coldcarpet]

is this the same adress for igroup mortgages as i have a address for down south at the bottom of our letters

[Cazziebo]

I wrote to Sarah Wainwright at the above address but got a call to say it was the "wrong part" of GE Money.

Got a giant pile of statements today and if anyone has a home lending account with them, the address is

Kathy Lampard
Compliance Department
GE Money Home Lending Ltd
Malvern House
Crawley Business Park
Watford
Hers
WD18 8YF

Good luck!

Cx

[Starks]

GE Capital seem to be very slippery!! (don't they all)

[JonCris]

Not so wrong that they can't cash your check.

[dax]

Kathy Lampard also sent me a pile of statements along with a letter of abreviations, most of which dont apply to the abreviations used on my statements. As she never enclosed contact details including an address on her paperwork, as my initial letter had been redirected from the Redhill office, Surrey. Has anyone else had the same bumph delivered or can they deduce what these abreviations mean listed below.

CQA BRN IAD SAF NGC MSS DFC DFUW RIDSAL PRDBATCH ?

It all looks very obliging when you first recieve the paperwork but when you get down to calculations, the coding alongside the figures is a puzzle as to whats what.

[dax]

The amount borrowed in 1995 was £2,010.00 following which, payments of £1241.44 were paid, albeit, intermitantly in the end. Nevertheless in 2001 I paid them off and the amount they were paid was £2111.98 most of which was interest added and charges for late payments. This was a secured loan. Im wondering where I stand, bearing in mind the loan began in 1995 although redeemed within the last six years. Any thoughts?

	Are you letting your bank keep your money Are you giving away thousands of pounds?? Many people aren't claiming all of the money they are entitled to when they make their bank charges claims. You have been forced to pay unfair bank charges. Have you forgotten that your bank has charged you inteest on those charges? If you are overdrawn and the bank owes you charges - then your overdraft is made up of charges - money which you bank owes you. Yet you are paying interest to the bank - on your own money!!! Follow this link to see the discussions on this. You might even double th size of your claim.

[JonCris]

dax if you as a lay person cannot understand the abreviations (lets face it who outside that company would) then they have not complied with your Subject Access Request........as any info sent must be understandable by you. Tell them this & that you will report them to the Information Commissioners Office for none compliance..........they know you wont understand & are just trying to be smart a88se88

	Subject Access Request A Subject Access Request is a demand which you can make to any organisation to disclose any personal information which they hold on you. The right to disclosure of data is provided by the Data Protection Act. There is no time limit. The organisation is obliged to reveal everything they have about you - which you ask for - as far back as you ask for. There are very few exceptions. It does not matter whether the data is held on microfiche, in an archive, on tape, in a cardex system, in sound recordings or in screen notes. Some companies are saying that they do not have to disclose where it would be difficult to do so - "disproportionate effort". This is untrue. Disproportionate effort refers to something else under the Act. If you are seeking bank charges information then you should ask for "all data held on you" and you should make it clear that you want everything as far back as it goes. Do not be put off by excuses. Do not accept being fobbed off. It is not in your bank's interest to make full disclosure to you. This means that it is in your interests to get it. If you have not started gathering your bank charges information yet, then you should start now. There will soon be a big rush once the OFT test case has been settled. Get all of your bank account informtion as far back as possible. At least as far back as 1995. If your bank says that they don't keep data as far back as this, don't accept it. Be persistent. They've got what you need in some form or other.

[dax]

You know what Jon, irregardless of their silly letters game ive sat up and worked it out anyway. As I see it, I started this in 2006 and now because of them being silly, its 2007, so because we all know they like to add months to lessen our 6 year period of claiming, I wont give them any more time by writing more letters to stall things.

I kept notes of payments so NGC is a payment, DFC and FNL are penalties, so ive just used their terminology for the spreadsheet and they can explain it to the judge if needs be. Either way ive written to them asking for £463 an if it goes to Court it becomes £790.05 with interest so its up to them. If I could claim back the interest charged it would be a lot more, but everyone says 'dont go there'.

Whats interesting though is that the exhaustive list of abreviations sent running to 4 pages, have nothing to do with what theyve used on my statements. Perhaps they just like pretending to be all important and its a bit sad really dont you think..

	Are you letting your bank keep your money Are you giving away thousands of pounds?? Many people aren't claiming all of the money they are entitled to when they make their bank charges claims. You have been forced to pay unfair bank charges. Have you forgotten that your bank has charged you inteest on those charges? If you are overdrawn and the bank owes you charges - then your overdraft is made up of charges - money which you bank owes you. Yet you are paying interest to the bank - on your own money!!! Follow this link to see the discussions on this. You might even double th size of your claim.

[Batgirl]

Hi all
Forgive my ignorance. My husband had a finance arrangement for our car with GE Capital Bank. It finished last year. We got into such a terrible mess, due to the fact that they wouldn't move our payment date, so that each month we were charged for late payments. Is this something we can reclaim? I am persuing a claim for bank charges from my bank, but it has only just occurred to me that we could possibly claim from these people too. Thanks to anyone who replies to this.

All the best.

	Bank Charges You should have started your claim for your bank charges by now. Don't wait. You should send your bank a Subject Acess Request asking for all personal data they hold on you - not just statements. You should calculate all of your bank charges and related interest as far back as 1995. You should send your bank a demand for a refund giving them 7 days. You should commence your legal action adding 8% statutory interest. If you wait for the outcome of the test case, you may not be able to claim like this. you may not be able to claim interest. You may only be offered the difference between the charge and the OFT "fair charge". The repayment scheme will try to limit you to refinds from 2001 only. A repayment scheme will not deal with any bank charges related defaults on the credit register whereas in a court action you can ask for these to be removed and to be compensated for the damage caused to you and your family by them. You should also write to the bank and to the CRA and put all charges related credit entries in disupte and warn them that you will want them removed from the Register when the test case is over. Warn them also that you are likely to be seeking compensation for these wrongful data entries. Full and final settlement Have you previously accepted a partial repayment of your bank charges in full settlement? You will still be able to claim the rest of your money back after the Test case is decided. Get all your information back to 1995 and put in your claim now.

[JonCris]

If they imposed late payment charges then yes you can claim & don't forget to include interest

Also read FAQ's before you start Don't rush in until you have some understanding of the procedure which once you get the hang of it is quite straight forward

	Are you letting your bank keep your money Are you giving away thousands of pounds?? Many people aren't claiming all of the money they are entitled to when they make their bank charges claims. You have been forced to pay unfair bank charges. Have you forgotten that your bank has charged you inteest on those charges? If you are overdrawn and the bank owes you charges - then your overdraft is made up of charges - money which you bank owes you. Yet you are paying interest to the bank - on your own money!!! Follow this link to see the discussions on this. You might even double th size of your claim.

[Batgirl]

Thanks very much indeed JonCris. I have taken on board your advice, and will take my time.

Cheers for the info.