GE Woodchester PPI

[beachcomber60]

Hi all,

Have just been scanning over a cca I have with GE Woodchester after agreeing to lower payments as things have gone belly up this year for us. To my shock & horror I found that I have been paying £43 a month PPI for the past 34 months (ppi box on the cca is printed a 'tick' and not by hand and I, for the life of me cannot agreeing to this as I am classed as self employed and wouldn't (and am not) covered for unemployment as I subcontract to several customers so would not become 'fully unemployed'.

Would this be classed as being mis-sold a ppi policy for which I can claim back payments made?

Thanks in advance.

[beachcomber60]

Bump

[beachcomber60]

bump again

[alanalana]

Hello beachcomber,

welcome to the PPI forum

Have just been scanning over a cca I have with GE Woodchester after agreeing to lower payments as things have gone belly up this year for us. To my shock & horror I found that I have been paying £43 a month PPI for the past 34 months (ppi box on the cca is printed a 'tick' and not by hand and I, for the life of me cannot agreeing to this as I am classed as self employed and wouldn't (and am not) covered for unemployment as I subcontract to several customers so would not become 'fully unemployed'.

Would this be classed as being mis-sold a ppi policy for which I can claim back payments made?

Thanks in advance.

I would say you have a case to complain for Mis-sold PPI however you will need to send off a Subject Access Request to GE with a statutory fee of £10.00. Postal order will be fine but keep the counterfoil. make a note of the date sent and send it recorded delivery. Keep an eye on it through Royal Mail track and trace to ensure you have proof of delivery..

Here are a few links from the links in stickies to get your started.

For claims before 2005 and the FSA ruling from which campaign
How to tell if you’ve been mis-sold PPI
Quick check: were you mis-sold? - How to tell if you’ve been mis-sold PPI


for the Subject Access Request...

Full S.A.R - (Subject Access Request) for ppi

This is to find information on GE woodchester Just type in the details in the firms name box and hit submit and away you go..

FSA Register


and to get the information on the data controller of the firm use this link and use the search option...

Register of Data Controllers & their roles - Information Commissioner's Office - Information Commissioners Office

Hopefully this will help to get you the information to start your reclaim and Good Luck

aa

	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.

[beachcomber60]

Alanalana, Thanks for the reply, after checking the 'Which' link I am sending off a copy of the sample letter, asking for refund of premiums paid (about £2,000 + interest) as I was clearly mis sold the ppi, well fingers crossed.

	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.

[hellhasnofury]

Originally Posted by beachcomber60

Alanalana, Thanks for the reply, after checking the 'Which' link I am sending off a copy of the sample letter, asking for refund of premiums paid (about £2,000 + interest) as I was clearly mis sold the ppi, well fingers crossed.

Good luck to you and keep us posted

[AA99]

Before I start, is GE Woodchester the same as GEMoney for a BHS Gold Card, (store card) ????

[beachcomber60]

Thanks for your reply. Woodchester are part of the GE empire, my account with them is for an unsecure personal loan.

[beachcomber60]

Major development, while waiting for my cca/S.A.R - (Subject Access Request) to come through I did a search for the paperwork that I have.

What a beauty - the loan was arranged over the phone inc. bank DD, they sent me the paperwork to sign and return - I found the paperwork today all three copies of the agreement their orginal, 2nd copy and my copy all of which are unsigned and undated by them or me - must have forgot to send it back to them and was never reminded.

OH HECK - WHAT TO DO NOW?

	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.

[pompeyfaith]

bump

[alanalana]

Hello beachy,

Major development, while waiting for my cca/S.A.R - (Subject Access Request) to come through I did a search for the paperwork that I have.
What a beauty - the loan was arranged over the phone inc. bank DD, they sent me the paperwork to sign and return - I found the paperwork today all three copies of the agreement their orginal, 2nd copy and my copy all of which are unsigned and undated by them or me - must have forgot to send it back to them and was never reminded.

OH HECK - WHAT TO DO NOW? Get your money back

Send a letter asking them to provide you with a true copy of the CCA as signed by you. You will need to cite sections 77/78 of the Consumer Credit Agreement 1974 to see what they come up with and you will need to send a £1.00 Satutory fee to get this information. They then have 14 days to produce a true copy of the document to you if they fail you can put the whole agreement into dispute and stop paying them. If they then fail to produce the document within 30 days they are breaking the law so they then cannot insist on payments or insist on a Court ruling to enforce any payments. I do not have immediately to hand all the legal stuff on this but it is available if you ask. Some legal beagle will post up the relevant Statutes for you.

Hope you can use this info.

aa

	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.

[beachcomber60]

Thanks for that.

There won't be a 'true signed copy of the cca', as I mentioned I found all three copies which were sent to me for signing but got put to one side and never signed and returned to them, also found last night was a letter welcoming me to GE and my 'copy' of the cca - again unsigned by either me or them, received about ten days after the loan started.

As the agreement was never signed, by both parties, does this make reclaiming ppi stronger or weaker?

[alanalana]

Thanks for that.

There won't be a 'true signed copy of the cca', as I mentioned I found all three copies which were sent to me for signing but got put to one side and never signed and returned to them, also found last night was a letter welcoming me to GE and my 'copy' of the cca - again unsigned by either me or them, received about ten days after the loan started.

As the agreement was never signed, by both parties, does this make reclaiming ppi stronger or weaker?

If they cannot produce a signed copy then I believe the loan can be disputed. I would ask for further advice on this though.

If your copy of the agreement shows PPI as single premium with interest added but you did not accept it or sign for it then you can claim it back.
I assume you are still making payments?

I would definately ask them to refund your PPI premiums plus the interest.

aa

	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.

[beachcomber60]

Thanks AA,

Yes I have a payment plan with them at the moment due to change in circumstances.

If I can get the ppi refunded it'll reduce the balance to about £2k (excluding any interest that I can claw back - not sure on how to work out loss of interest on the ppi payments).

Just been promised brekkie at Tescos so away from PC now.

Beachy

	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.

[chipbeck]

Good luck Beachcomber. Tis lot think they can do and say what they want. I have my own thread but I'm currently at the stage where I'm sending details of the wifes store card off to the FOS. I need to see what their take is on the fact that they I have a CCA that indicate no PPI yet they have been taking it. Not to sure that the FOS will agree with the 'it was aked for on the phone but we have no record of it' that they are trying to palm me off with.

	The Financial Ombudsman Service For the most part, don't bother. The Ombudsman is an industry arranged service which is under-resourced, takes too long, lacks clear transparency. You have no idea what evidence the FOS has received from the bank or how your complain has really been handled. The FOS is the preferred complaints route for the banking industry. The county court is to be preferred by consumers for its speed, openness, the quality of its awards and also because it will award 8% interest on top of any damages won by you. The Ombudsman should normally be used to solving little technical difficulties or customer service problems which you have expereinced with your bank.

[beachcomber60]

Have found out that the insurance cover on this agreement is Credit Protection Insurance not PPI (is this the same?)

Also premiums are added monthly, no mention any where about single premium being added, does this change things regarding claiming back premiums paid.

As always, thanks

[alanalana]

Hello beachy,

Have found out that the insurance cover on this agreement is Credit Protection Insurance not PPI (is this the same?) Yes For CPI read PPI.

Also premiums are added monthly, no mention any where about single premium being added, does this change things regarding claiming back premiums paid. Unable to answer this without a preview of your CCA? Can you scan cut out the personal bits in paintshop ie names addressess account numbers sort codes etc and stick it into photobucket so we can have a look. I ask this because although the premiums may be payable monthly it may not necessarily mean they are added monthly. If you have a single premium it is added on to the cost of the loan and then interest is added but you will pay a monthly figure depending upon the period of the loan ie 24 months 60 months etc.

As always, thanks

Hope this is of use

aa

[beachcomber60]

Thanks AA,




And





As I said previously no signatures from either party & computer 'tick' in the ppi box

Thanks for looking
Beachy

[Fred_Funk]

beachcomber60

If you use the search facility - centre top of page - you will fnd there are plenty of threads concerning CCA requests.

Essentially, this is where you pay, as I recall, £1 for the loan provider to supply you with a copy of your credit agreement. If they are unable to do so or if the credit agreement fails to meet the legal requirements - one of which is that it is signed by both parties - then it is unenforceable.

If that's the case then it won't just reduce he balance to 2k, it will leave GE with little or no option but to write it off. At the same time, it should strengthen your claim for the mis-sold PPI, and interest, you have already paid.

I don't profess to be an expert on this but, I'm fairly certain, if you pursue this with someone who is they will tell you much the same.

Good luck!
Fred_Funk

	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.

[beachcomber60]

Thanks Fred,

Posted cca for AA to have a scanny over it, unable to see if PPI was added in lump sum or premiums are just added monthly.

take your point re CCA, as posted above, I have all three copies 1) Original, 2) Lenders 2nd copy & 3) Customers copy which weresent for signing however they were put to one said and forgot about, never received any reminder to send them back.

Are you saying its possible to have it written off AND reclaim PPI?

Only realized it when I started PPI reclaim.

BC