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, Sent off SAR and £10 cheque at the end of April and it's now been over 50 days and still no statements through my letterbox. Any ideas as to why and what would my next steps of action please?? They did send a letter saying they were busy with this, but surely they are obliged to meet my request still!! I have busy days at work too, but still get everything done!!!
Select the appropriate template for your purpose. Give them a further 7 days in which to comply or you will report the matter to the Information Commissioners Office and/or commence action in the county court to get compliance.
Regards, Rooster.
If this has been useful to you, please click on the scales at bottom left of post. Thanks.
Advice & opinions of Rooster-UK are offered informally, without prejudice & without liability. Please use your own judgment.
Sent off non-compliance today!! Thanks for the link.
By the way, I used to have a River Island store card and am sure there are charges on there. However, I closed the account sometime ago and can't exactly remember when. Is there anyway I can find out the account number or any other info please. Surely I'm entitled to know it!??! Thanks!
River Isalnd is also run by GE Capital Bank. They should have given you all that information in reply to your SAR as that is also information they hold on you. Send a BTW letter to follow the one you have jsut sent.
Steven
If this post is helpful, please click the scales
Any opinions are without prejudice & without liability.
Almost everything I know concerning the law I learned from this site
Steven
Using CAG Toolbar will generate much needed income - Download Here
Confused by Simple Interest? Confounded by Compound Interest? Read my Interest Tutorial
My Wins
GE Money Won unconditionally May 2007 NatWest Won unconditionally August 2007 BrighthouseWon unconditionally August 2007 GoldfishWon unconditionally April 2008 (including CI on the basis of Sempra) Clydesdale Financial Services (now BPF) Won unconditionally February 2008
Any opinions are without prejudice & without liability. Do not take any legal action on my advice alone. Almost everything I know concerning the law I learned from this site.
Please note, I will not give advice by PM. Please send a link to your thread and I will do my best to answer there.
I think technically probably yes as the S.A.R - (Subject access request) is for all data they hold on you. It is probably unreasonable to lay in to them on that score but I think (and what I did with Natwest) was to send another SAR but pointing out that this was data they really ought to have sent the first time and therefore I was not sending them another £10. Haven't heard from them yet, mind.
Steven
If this post is helpful, please click the scales
Any opinions are without prejudice & without liability.
Almost everything I know concerning the law I learned from this site
Steven
Using CAG Toolbar will generate much needed income - Download Here
Confused by Simple Interest? Confounded by Compound Interest? Read my Interest Tutorial
My Wins
GE Money Won unconditionally May 2007 NatWest Won unconditionally August 2007 BrighthouseWon unconditionally August 2007 GoldfishWon unconditionally April 2008 (including CI on the basis of Sempra) Clydesdale Financial Services (now BPF) Won unconditionally February 2008
Any opinions are without prejudice & without liability. Do not take any legal action on my advice alone. Almost everything I know concerning the law I learned from this site.
Please note, I will not give advice by PM. Please send a link to your thread and I will do my best to answer there.
Is there a different spreadsheet for calculating interest for store cards as mine is for 8% and I need it for 29.9% i believe. Can't change it on the spreadsheet I have!! PLease can you help.
Put the basic data on p1, charges on p2 and interest comes outon p4 (ignore p3, that's s69 interest)
Steven
If this post is helpful, please click the scales
Any opinions are without prejudice & without liability.
Almost everything I know concerning the law I learned from this site
Steven
Using CAG Toolbar will generate much needed income - Download Here
Confused by Simple Interest? Confounded by Compound Interest? Read my Interest Tutorial
My Wins
GE Money Won unconditionally May 2007 NatWest Won unconditionally August 2007 BrighthouseWon unconditionally August 2007 GoldfishWon unconditionally April 2008 (including CI on the basis of Sempra) Clydesdale Financial Services (now BPF) Won unconditionally February 2008
Any opinions are without prejudice & without liability. Do not take any legal action on my advice alone. Almost everything I know concerning the law I learned from this site.
Please note, I will not give advice by PM. Please send a link to your thread and I will do my best to answer there.
Sent of SAR back on 3rd April and still no statements.
Sent non compliance on 11th June and they cashed my original £10 cheque on the 15th but still no statements.
Phoned them today and was extremely stern...they said statements would be with me within 2 weeks of cheque being cashed!! Is this a load of lies???
AND THEN.... to make things more interesting I had a letter this morning saying thank you for your recent letter, as previously requested, please find a list of charges on your GE Money account.
They then list 7 £15 arrears letters charges and have credited me with £105.00!!! I havent even asked for this!!!
GE Money seem to be doing this a lot. Keep at them though - It is good to get the 3105 back but
a) how do you know it's all the charges
b) what about the interest?
Steven
If this post is helpful, please click the scales
Any opinions are without prejudice & without liability.
Almost everything I know concerning the law I learned from this site
Steven
Using CAG Toolbar will generate much needed income - Download Here
Confused by Simple Interest? Confounded by Compound Interest? Read my Interest Tutorial
My Wins
GE Money Won unconditionally May 2007 NatWest Won unconditionally August 2007 BrighthouseWon unconditionally August 2007 GoldfishWon unconditionally April 2008 (including CI on the basis of Sempra) Clydesdale Financial Services (now BPF) Won unconditionally February 2008
Any opinions are without prejudice & without liability. Do not take any legal action on my advice alone. Almost everything I know concerning the law I learned from this site.
Please note, I will not give advice by PM. Please send a link to your thread and I will do my best to answer there.
a) sent us a cheque for the charges that we had climed and that were on the statements they had sent, immediatley they received our prlim lette
b) sent a cheque for the charges we had estimated immeditaley the received the lba
c) agreed to pay the interest (but with strings attached) a couple of weeks after we files at court
d) went to the aq stage on a court claim before agreeing drop the conditions
Steven
If this post is helpful, please click the scales
Any opinions are without prejudice & without liability.
Almost everything I know concerning the law I learned from this site
Steven
Using CAG Toolbar will generate much needed income - Download Here
Confused by Simple Interest? Confounded by Compound Interest? Read my Interest Tutorial
My Wins
GE Money Won unconditionally May 2007 NatWest Won unconditionally August 2007 BrighthouseWon unconditionally August 2007 GoldfishWon unconditionally April 2008 (including CI on the basis of Sempra) Clydesdale Financial Services (now BPF) Won unconditionally February 2008
Any opinions are without prejudice & without liability. Do not take any legal action on my advice alone. Almost everything I know concerning the law I learned from this site.
Please note, I will not give advice by PM. Please send a link to your thread and I will do my best to answer there.
Getting really annoyed with GE Money!! Rang twice now after giving them a 7 day deadline on 11th June to comple with my SAR request and still no statements!! GRRR!! They are telling me that the 40 days counts from when they cash my cheque which was not until the 15th June after my forceful follow up letter!!
My original request was on the 23rd April and they have acknowledged this on the 7th saying it was received but they are really busy.
Shall I file MCOL as they havent complied within my deadlines. Also what do i write in the particulars and will they pay me my filing fee back??? Thanks!
Still no statements form GE Money, I have phoned and phoned but still no luck!!
Sending this if you think it's ok! Please could you let me know??
You have failed to comply with my Data Protection Act Subject access request dated 26th April 2007. GE Money had 40 days to meet my request and so far this still has not happened after 77 days to the date of this letter.
I am extremely disappointed with the unprofessional attitude and poor customer service of your company. I have made numerous polite calls for you to send copies of all my statements for the above accounts since they were opened. Last month, you even cashed my £10.00 cheque to cover the cost of this, whilst not even having the decency to fulfill my demand. This cheque was sent with the original letter.
I have made several, time consuming phone calls to GE Money, left messages for you to contact me and even made an official complaint that has never been acknowledged. I feel that this is a disgraceful way to treat a customer.
I am writing to inform you that unless I receive all of my statements for both accounts within 7 days I shall seek a court order obliging you to do so and also contact the Information Commissioner and the national press. I have no doubts that the courts will take a very dim view of your behaviour and neglect of your obligations.
My GE claim was on a closed account - keep at them
Steven
Using CAG Toolbar will generate much needed income - Download Here
Confused by Simple Interest? Confounded by Compound Interest? Read my Interest Tutorial
My Wins
GE Money Won unconditionally May 2007 NatWest Won unconditionally August 2007 BrighthouseWon unconditionally August 2007 GoldfishWon unconditionally April 2008 (including CI on the basis of Sempra) Clydesdale Financial Services (now BPF) Won unconditionally February 2008
Any opinions are without prejudice & without liability. Do not take any legal action on my advice alone. Almost everything I know concerning the law I learned from this site.
Please note, I will not give advice by PM. Please send a link to your thread and I will do my best to answer there.
Using CAG Toolbar will generate much needed income - Download Here
Confused by Simple Interest? Confounded by Compound Interest? Read my Interest Tutorial
My Wins
GE Money Won unconditionally May 2007 NatWest Won unconditionally August 2007 BrighthouseWon unconditionally August 2007 GoldfishWon unconditionally April 2008 (including CI on the basis of Sempra) Clydesdale Financial Services (now BPF) Won unconditionally February 2008
Any opinions are without prejudice & without liability. Do not take any legal action on my advice alone. Almost everything I know concerning the law I learned from this site.
Please note, I will not give advice by PM. Please send a link to your thread and I will do my best to answer there.
well i still have no statements and i still don't have a clue as to an exact amount. i dont know whether to guess! they really dug heels in about sending my statements!
Cookie vs GE Money
and £10 cheque at the end of April and it's now been over 50 days and still no statements through my letterbox. Any ideas as to why and what would my next steps of action please?? They did send a letter saying they were busy with this, but surely they are obliged to meet my request still!! I have busy days at work too, but still get everything done!!!
Reply With Quote
