Thread: ppi on ge capital store card

While flicking through my statements i received from ge capital from a sars to do with late payment charges i noticed PPI (balance cancellation cover) on there, which i cancelled as soon as i discovered it. I vaguley remember a phone call years ago from a guy selling something which i think i said yes to as he scare sold me into it.

Anyway, what i was wondering is do i have to send off another £10 with the PPI sars or as they have already received £10 for information which i got back and it does have PPI on there shall i send off a ca request ?
But as i the PPI was added to my card later do i still send off for a copy of my credit agreement, or shall i move on to the next step.

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sorry meant to say not sure if all details are there !!! should i still send off a full sars again or just request more details on the PPI side.

Hello ronvin,

sorry meant to say not sure if all details are there !!! should i still send off a full sars again or just request more details on the PPI side.

If you have already sent the Statutory fee of £10.00 but you believe data is missing then write back listing everything you believe you should have.

1. Copies of all Consumer Credit Agreements including associated paperwork like terms and conditions and any applicable Policy documents

2. Copies of all recorded telephone conversations or full transcripts of such conversations or notes made by any of their staff with regard to such conversations.

3. Copies of any documentation referring to you as a Data Subject in lines with the Data Protection Act 1998 in whatever format they hold. IE electronic/Paper/Microfische/CD etc. (Do not accept any response that states the information must be part of a proper filing system for them to supply it)

Please see this from the links in the stickies at top of the forum.

For legal issues relating to Data Protection check this link...Lots of very useful info in understandable terms.
Data Protection | OUT-LAW.COM

it includes the following and much much more
Negotiating with the Data Subject (This should be important to Banks)

At this stage, it is advisable to negotiate with the data subject. The location information the data subject will have already given will give a clue as to what it is the data subject really wants to have information about. The benefit of the Data Protection Act 1998 is that it allows data controllers to negotiate with data subjects to get the data subject to specify the exact information he or she wishes to receive.

The data controller is entitled to ask for a fee of £10 and two further pieces of information. Firstly, the data controller must satisfy himself that the person making the request is, in fact, the data subject. The use of a Subject access request form is advised, since the greatest breach of a data controller's security is for the data controller to satisfy a Subject access request made by a person impersonating the data subject. The use of the form goes towards proving that the data controller has adequate identification and verification procedures in place. Secondly, the data controller is entitled to ask the data subject for further information to enable the data controller to locate the information which that person seeks.

When the last of these three pieces of information has been obtained, the forty day period starts to run. It is advisable to put procedures in place to ensure that the receipt of the request and the further information is correctly dated so that an organisation knows how long it has to satisfy the subject access request.

However, if the data subject is adamant that he or she wishes to receive a copy of everything the data controller holds on him or her, then there is very little the data controller can do about this, and a completely exhaustive search of the computerised and manually held data in the organisation will be required. (nice to know what you see in the Act is what you get)

Please make sure you tell them you have already paid the Statutory fee and therefore they have failed to comply with your SAR which is a requirement at Law they must comply with.

If they still fail to comply you can complain to the Information Commissioners Office and start Court Procedings for non compliance.

Hope this helps

aa

Originally Posted by alanalana

Hello ronvin,



If you have already sent the Statutory fee of £10.00 but you believe data is missing then write back listing everything you believe you should have.

1. Copies of all Consumer Credit Agreements including associated paperwork like terms and conditions and any applicable Policy documents

2. Copies of all recorded telephone conversations or full transcripts of such conversations or notes made by any of their staff with regard to such conversations.

3. Copies of any documentation referring to you as a Data Subject in lines with the Data Protection Act 1998 in whatever format they hold. IE electronic/Paper/Microfische/CD etc. (Do not accept any response that states the information must be part of a proper filing system for them to supply it)

Please see this from the links in the stickies at top of the forum.



Please make sure you tell them you have already paid the Statutory fee and therefore they have failed to comply with your S.A.R - (Subject access request) which is a requirement at Law they must comply with.

If they still fail to comply you can complain to the Information Commissioners Office and start Court Procedings for non compliance.

Hope this helps

aa

Absolutely agree with AA Write to them and inform them that they have not complied with your SAR, You require the extra information regarding the insurances that they applied. ie telephone recordings insurance policy information etc etc

I wrote to ge money in november asking for information they they had not provided on my river island store card sars. I received a letter back form them stating that if i wanted that information i would have to pay the £10. I wrote back to them saying that i had already paid the £10 fee with my sars back in march 07 and they were in breach of the data protection act.

i received nothing SURPRISE

I sent them another breach of the data protection act in feb but i have still received nothing. Where do i go from here?

Hello ronvin,

I wrote to ge money in november asking for information they they had not provided on my river island store card sars. I received a letter back form them stating that if i wanted that information i would have to pay the £10. I wrote back to them saying that i had already paid the £10 fee with my sars back in march 07 and they were in breach of the data protection act.

i received nothing SURPRISE

I sent them another breach of the data protection act in feb but i have still received nothing. Where do i go from here

Next step is a complaint to the Information Commissioners Office pointing out the failure of ge to comply with your SAR within the Statutory Data Protection Act 1998 s77-s79......

Main link....... Information Commissioner's Office - ICO

Complaints link below....

Complaints about data protection policy - ICO

You should inform ge of the action you are taking in response to their failure to comply. Did they cash your £10 cheque / Postal order? because if they have taken payment and not provided the data in accordance with the DPA 1998 the could have some serious explaining to do. Namely accepting the money in accordance with the DPA 1998 but not providing the data.

Keep at them
aa

since the last post i've sent another breach of the dpa and asked for the PPI i knew about back, to my suprise they actually replied.

They wanted to know what info i required from them (they already know this, but as i've recently found other accounts i had with them i've asked for info on them). They also said that they have paid ppi premiums, interest at only 8% and £15.00(15.00 what a joke) compo on to my account, which is all good and well but i want my money in my hand not their pocket.

They got a reply telling them that if i deceided to accept their offer i wanted it in a personal cheque made payable to moi , the interest rate i paid 17.9%and a bit more compo for my inconvieniance. I also wanted a Breakdown as to how they got their figures as i believe i paid more.

will keep you posted

Originally Posted by ronvin

since the last post i've sent another breach of the dpa and asked for the PPI i knew about back, to my suprise they actually replied.

They wanted to know what info i required from them (they already know this, but as i've recently found other accounts i had with them i've asked for info on them). They also said that they have paid ppi premiums, interest at only 8% and £15.00(15.00 what a joke) compo on to my account, which is all good and well but i want my money in my hand not their pocket.

They got a reply telling them that if i deceided to accept their offer i wanted it in a personal cheque made payable to moi , the interest rate i paid 17.9%and a bit more compo for my inconvieniance. I also wanted a Breakdown as to how they got their figures as i believe i paid more.

will keep you posted

Wow way to go Ronvin you keep at them

since the last post i've sent another breach of the Data Protection Act and asked for the PPI i knew about back, to my suprise they actually replied.

They wanted to know what info i required from them (they already know this, but as i've recently found other accounts i had with them i've asked for info on them). They also said that they have paid ppi premiums, interest at only 8% and £15.00(15.00 what a joke) compo on to my account, which is all good and well but i want my money in my hand not their pocket.

They got a reply telling them that if i deceided to accept their offer i wanted it in a personal cheque made payable to moi , the interest rate i paid 17.9%and a bit more compo for my inconvieniance. I also wanted a Breakdown as to how they got their figures as i believe i paid more.

will keep you posted

I like to see a good fight

Stick with it

Originally Posted by alanalana

I like to see a good fight

Stick with it

love it aa i won't give in

received my statement this morning

The cheeky bleeders have just put their pathetic offer on there so my account is £200 lower but still not i'd agreed.

In my previous letter to them i'd specifically said not to put the money on there as i'd not agreed to any offer, I specified my terms which would make me agree.
They still have to send me a Breakdown as to how they reached their figures.

Letter of complaint gone off today advising them to meet my terms or i'll take my complaint to the fos.

I'll keep at them don't worry .

Bravo keep up on with the fight

Don't let the bu**ers grind you down

aa

Recieved a letter today re my ge money account, only it was from Santander cards informing me that its no longer ge money.

Anyone else aware of this ?

Originally Posted by ronvin

Recieved a letter today re my ge money account, only it was from Santander cards informing me that its no longer ge money.

Anyone else aware of this ?

I knew santander were taking over some uk assests I would not let any takeover put me off reclaiming. I claimed on Direct Line Financial Services but RBS said I should submit my claim directly to Direct Line then I find out Direct Line had been legally transferred to RBS. I eventually got all my PPI claims repaid via the fos Direct Line and RBS claims and RBS also got a wrap on the knuckles from the ICO.

I would therefore assume the same with GE if santander are legally taking them over then watch out santander for a mass of claims for mis-selling of PPI by GE.


aa