House of Fraser (GE Bank) not playing ball!

[Stellabella]

I have sent off the Data Protection Act letter and a £10 P.0. I had a reply from GE capital today. They have only sent 10 months worth of poor copy statements. They say they cannot provide me with further copies. This has happened to someone else I know who had a Debenhams card (GE Capital) It only show about £50 in charges on the ones I can read.

When the account was closed due to late payments etc, and I was defaulted the account stood at nearly £3000 but due to all the costs it has gone up to over £6000! Should I send a preliminary letter asking for the £6000 back and estimate that obviously they have put on nearly £3000 or should I send for the rest of my statements? I think the biggest portion of charges were levied at the default stage. I am with a debt management company and pay GE Capital a fixed amount but it will take me forever with all of the added charges.

[livelylad]

Originally Posted by Stellabella

I have sent off the Data Protection Act letter and a £10 P.0. I had a reply from GE capital today. They have only sent 10 months worth of poor copy statements. They say they cannot provide me with further copies. This has happened to someone else I know who had a Debenhams card (GE Capital) It only show about £50 in charges on the ones I can read.

When the account was closed due to late payments etc, and I was defaulted the account stood at nearly £3000 but due to all the costs it has gone up to over £6000! Should I send a preliminary letter asking for the £6000 back and estimate that obviously they have put on nearly £3000 or should I send for the rest of my statements? I think the biggest portion of charges were levied at the default stage. I am with a debt management company and pay GE Capital a fixed amount but it will take me forever with all of the added charges.

hi you can right to the information commisioner and get him to force them to comply with your Data Protection Act request also the court can do this for you. if they dont provide the statements within the 40 days you can also estimate the charges,however asking for twice as much could be a problem. Also i would ask them to provide you with a copy of the original credit agreement. read the FAQ and the forum they will help.

[CrispDust]

Yes have a REALLY good read around all the forums.
You need that data and GE must provide it.
If they don't within the 40 days then issue a claim estimated, then LBA then take to court. At that point they will have to provide the data to justify any defense they have.
However as you will discover from the forums, its not always that easy.....