Thread: Penny v G.E. Money

I received statements today from hubbys Burtons account. They didnt take too long, about 4 weeks, but there are a load missing, although that doesnt surprise me after reading other threads about them.
There are a couple missing from 2004 and 2005 and 2007 which should be quite easy to work out if there are any charges on them, then there are about 4 missing from 2006. I will have to either estimate them or work it out from the statements either side.
I will also be claiming interest, and as there is only about one hundred and odd pounds on the account the refund should pay off the card with some left over.
I'm off to work out the charges

Penny

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I've finally managed to work the charges out. I worked them out using contractual interest at 29.9% which is the same rate they have been charging us and it comes to over £400 , not bad, just have to get the prelim letter done and send it off

Thanks for your good wishes Scott

Does anyone know if I just send the prelim used for bank charges with the wording amended to say late payment charges? and do I put in the bit about the OFT test case or do I leave that paragraph out?
There is also a couple of charges that were estimated so how likely are they to pay them back? Their letter says about the missing statements "Due to system issues unfortunately the statements are no longer available to us" so how would they know if there were charges on them anyway?
Thanks,
Penny

Has anyone any idea if I just send the bank charges prelim, I really want to get it sent off as soon as poss, Thanks

Penny

Thanks Steven,
I have had a look on your threads, they are a great help thanks, I also used the spreadsheet on your goldfish thread and the interest worked out more than the one I originally used so thats fine by me
I hope I get away with the estimated charges but as they didnt see fit to send me all my statements then thats their tough luck.
Thanks again,

Penny.

I sent my prelim off recorded delivery yesterday so lets see what they come up with, probably an offer somewhere between but not nearly enough. Let the fun begin

Penny

Thanks Jaxads,
Well done on your claim with GE I will have a look at your thread.

That was quick they replied yesterday to my prelim, but with an offer which is nowhere near enough. They have offered £45 which is the proportion of the charges that exceed £12. Thanks but no thanks.
So onwards and upwards, I shall wait till the 2 weeks is up and then off with the lba. I will add a bit at the beginning accepting their offer as partial settlement but I will be going after the rest.

Penny

I have received a reply to my lba, but not a good one. They say their offer of £45 is their Full and final decision so it looks like I will be filing a court claim.

Hi,

I have been slightly distracted with other matters lately and have left this claim at the bottom of the pile somewhat.

The last word I heard off G.E. is that basically I will be getting no more than £45.00 so get lost. Looks like I'm off to court then. Its a long time since I've done this so any help will be greatly appreciated

Penny

Hi

Due to mainly lack of money I still have not got any further with this, and would really like to get back on track.

Since it has been 8 months since I sent the lba to them should I start again from the prelim or re do the LBA to jog their memory a bit?

Penny

Hi all,

I finally got around to putting in a court claim for my G E Money charges and they have defended it already. The letter that came with the defence says that the filing of an allocation questionaire be dispensed with in this case unless the District Judge at the court of transfer orders otherwise. I am a bit rusty with court claims having not done one in a while so any help would be gratefully recieved

Do I now just wait until a court date comes through or is there anything I should be doing in the meantime. I seem to remember sending a schedule of charges to the solicitors at one point but cannot remember when. Oh, I am gonna so mess it up

Hi Penny

Reading your thread with great interest we wrote to GE Money approx 3 weeks ago from Suject Access Request for 5 accounts my Daughter had with them all paid off but stacks off charges to claim (Seems like they may not reply hoping we shall go away).
I cant imagine what it like to be at the court stage but please do not give up now and let these b*****s off with your hard earned money.
We shall all be keeping our fingers legs arm toes anything crossed for you and I am sure there is plenty off people on here who will help you through it, this site is the best thing since sliced bread
Good Luck Keep your chin up I have every confidence in you and this site.
GO FOR IT>>>>
Cheers
afw

Thanks for your support afw. Good luck with your claims, G E are very stubborn and try to tell you that a £12 charge is acceptable, and they also seem to miss out some statements, they did with mine and most others I have read.

I agree with you that this site is the best, it has helped me a lot and I would be in a worse financial state if I hadnt found it

keep us posted on how your claims are going

Penny