Written by John Kruse, one of the leading experts on Bailiff Law, this consumer friendly guide is essential reading for anyone who comes into contact with a bailiff.
The book is easy to understand and clearly explains the rights
a bailiff has, and also what they cannot do when collecting debts and repossessing goods etc.
HI
Had a letter today from GE Money regarding PPI mis-selling, they have basically said that they did not mis sell as it was optional (even though the shop girl said sigh where I put the crosses, thats my word only even though no employment details were taken) and I have had plenty of time to cancel when I received my policy and terms and conditions (I never received a policy or T & C) I only really knew what it was last year when it was in the newspapers, they sent me a copy of my shop application (again) front page only and a copy of T & C that apparently go with policy, but no copy of my policy (agreement says you will receive a copy of your certificate of insurance).
They then go on to say I have to prove that I was a carer when I opened account. Here my problem now I have a different surname to my account, I kept my name on bank details, credit cards (coz my husband and I kept or finances separate and was told I could do that if I wanted to) but with DWP I changed it to my married name(had to for tax credits) and they will only supply details in my name now and will not comfirm my first surname only that I received carers allowance but will not provide details for a credit card company.
BTW Ive only been married 11 months.
Sorry for long post and I hope its sound clear but I really dont know what to do now. Anyone got any ideas
HI
Had a letter today from GE Money regarding PPI mis-selling, they have basically said that they did not mis sell as it was optional (even though the shop girl said sigh where I put the crosses, thats my word only even though no employment details were taken) and I have had plenty of time to cancel when I received my policy and terms and conditions (I never received a policy or T & C) I only really knew what it was last year when it was in the newspapers, they sent me a copy of my shop application (again) front page only and a copy of T & C that apparently go with policy, but no copy of my policy (agreement says you will receive a copy of your certificate of insurance).
They then go on to say I have to prove that I was a carer when I opened account. Here my problem now I have a different surname to my account, I kept my name on bank details, credit cards (coz my husband and I kept or finances separate and was told I could do that if I wanted to) but with DWP I changed it to my married name(had to for tax credits) and they will only supply details in my name now and will not comfirm my first surname only that I received carers allowance but will not provide details for a credit card company.
BTW Ive only been married 11 months.
Sorry for long post and I hope its sound clear but I really dont know what to do now. Anyone got any ideas
Caz
Hello Caz,
You don't have to prove anything, they mis-sold the policy so they have to prove that they did not under the misreprentation act.
Now regarding evidence that your received a carers allowance, get them to give you a letter in your maiden name and then send it to ge with a copy of your marriage certificate
There are a few caggers after ge for mis-selling, some have been paid out and somebody has just won their case in court.
I would be reporting them to the Office of Fair Trading and the Financial Service Authority. They won't do anything for you, but they will get another black mark against their name and if they get enough black marks they will receive a big fine
If any of my posts are helpful, please feel free to click my scales. All information is given as my opinion only, based on my own personal experiences. I have no legal training, but have educated myself in aspects of consumer legislation. My motto "NEVER GIVE IN, NEVER SURRENDER", THERE IS A WAR ON YOU KNOW
Thanks Hellhasnofury
Just been on phone to Carers allowance again and lady I spoke to was very nice she said I could have a letter in my old surname no problem stating that I was in receipt of Carers allowance when I was paying PPI (been on carers since 1994 apparently, no wonder Im stressed and tired lol).
Being charged on catalogue 'account cover'. Is that the same as ppi?
Thanks Hellhasnofury
Just been on phone to Carers allowance again and lady I spoke to was very nice she said I could have a letter in my old surname no problem stating that I was in receipt of Carers allowance when I was paying PPI (been on carers since 1994 apparently, no wonder Im stressed and tired lol).
Being charged on catalogue 'account cover'. Is that the same as ppi?
Caz
Glad you are getting a letter from carers allowance, send it with a photcopy of your marriage certificate to confirm the different surname.
Now as regard the catalogue 'account cover' its ppi in a different guise
Its not littlewoods by any chance
If any of my posts are helpful, please feel free to click my scales. All information is given as my opinion only, based on my own personal experiences. I have no legal training, but have educated myself in aspects of consumer legislation. My motto "NEVER GIVE IN, NEVER SURRENDER", THERE IS A WAR ON YOU KNOW
My ammunition from DWP re Carers Allowance letter has finally arrived. (after a reminder phone call)
I am going to wait until their reply for second letter on mis selling (probably say they didnt) then hit them with the offical proof that I was not working (well not employed -being full timer carer I never stop working on call 24/7).
Sent GE Money The Carers Allowance letter on 22/03/08 that was the evidence they said they wanted, but have heard nothing back from them.
What do I do now?
Also they say they dont have any statements for 2000 - 2002, do I estimate PPI payments there? I know there was an outstanding balance (there always has been).
Get your success up on the success thread for all to see and give inspiration to
If any of my posts are helpful, please feel free to click my scales. All information is given as my opinion only, based on my own personal experiences. I have no legal training, but have educated myself in aspects of consumer legislation. My motto "NEVER GIVE IN, NEVER SURRENDER", THERE IS A WAR ON YOU KNOW
GE Money/PPI
mis-selling, they have basically said that they did not mis sell as it was optional (even though the shop girl said sigh where I put the crosses, thats my word only even though no employment details were taken) and I have had plenty of time to cancel when I received my policy and terms and conditions
Reply With Quote
Originally Posted by msowing
