I got my money back from GE Money before prelim!!!

[millymollymoo]

Yes this just confirmed today by GE Money and is coming in writing.

The story how this happened....right I requested my S.A.R and the deadline was 17th Jan. Rang and spoke direct to DPC to ask what was happening and to remind them of the deadline. Ok a Denise promised to ring me back the next day to allow her to investigate. She did and and I received my mothercare statements and charge transactions, which I found confusing to say the least and told them this. No top shop account statements either, even though this was always paid by Direct Debit so I remember there was only a couple of times this was not paid back in 2003 when I closed it. Still I had requested these.

Anyhow a Joanne rang friday promising to ring concerning these issues on monday. I missed the call I had already totted up the mothercare charges £120 and beleive top shop to be £30 more so £150. Well I missed the call and she rang back today. They offered because of this muck up to clear my mothercare account of £266 and balance down to zero and advised I had every right to reject and make a formal complaint concerning Top Shop.

Well I accepted cos I have been give approx £116 more so all in all VERY HAPPY and never really did athing


Milly XX

	The Direct Debit Guarantee • The Guarantee is offered by all Banks and Building Societies that take part in the Direct Debit Scheme. The efficiency and security of the Scheme is monitored and protected by your own Bank or Building Society. • If the amounts to be paid or the payment dates change, we will notify you three working days in advance of your account being debited or as otherwise agreed. • If an error is made by us or by your Bank or Building Society, you are guaranteed a full and immediate refund from your branch of the amount paid. • You can cancel a Direct Debit at any time by writing your Bank or Building Society. Please also send a copy of your letter to us. This is a term of your banking contract and you can sue on it.

[Reznor]

Wow Congratulations!

[millymollymoo]

Thanks I am amazed no effort. Do you know this happened with a insurance claim I did a few weeks back. I have athread on it. No letter, just my phonecall and just me bringing up a misleading description and wallop £1500 better off for my fence!!!!

Milly

[thereshope!]

Brill Milly !

I am going through all my cc/sc creditors now ,trying to decide which to tackle next.

Think it will be GE Money ! Various accounts held with them over the years and they have just sold all my debts to CL FINANCE.

Going to crack on with Subject Access Request and CCA letters now.
I could do with an easy one lol!!!

Hope xx

	Subject Access Request A Subject Access Request is a demand which you can make to any organisation to disclose any personal information which they hold on you. The right to disclosure of data is provided by the Data Protection Act. There is no time limit. The organisation is obliged to reveal everything they have about you - which you ask for - as far back as you ask for. There are very few exceptions. It does not matter whether the data is held on microfiche, in an archive, on tape, in a cardex system, in sound recordings or in screen notes. Some companies are saying that they do not have to disclose where it would be difficult to do so - "disproportionate effort". This is untrue. Disproportionate effort refers to something else under the Act. If you are seeking bank charges information then you should ask for "all data held on you" and you should make it clear that you want everything as far back as it goes. Do not be put off by excuses. Do not accept being fobbed off. It is not in your bank's interest to make full disclosure to you. This means that it is in your interests to get it. If you have not started gathering your bank charges information yet, then you should start now. There will soon be a big rush once the OFT test case has been settled. Get all of your bank account informtion as far back as possible. At least as far back as 1995. If your bank says that they don't keep data as far back as this, don't accept it. Be persistent. They've got what you need in some form or other.

[millymollymoo]

Hello hope

If you have probs with your S.A.R Pm me I have their direct number. {The DCA and she is nice I can assure you.}

Milly X

	Debt collection library Follow this link to our debt collection library. This library contains templates and advice for dealing with debt collectors who act oppressively or unfairly. This library is work in progress and will be built up over the next few weeks. 17.03.09

[Reznor]

Originally Posted by millymollymoo

Thanks I am amazed no effort. Do you know this happened with a insurance claim I did a few weeks back. I have athread on it. No letter, just my phonecall and just me bringing up a misleading description and wallop £1500 better off for my fence!!!!

Milly

hehe, wow congrats again!

[millymollymoo]

Thanks reznor only wished it was so easy with others.

Milly X

[rosemaryednam]

Hi I want to persue G E Money but do not know where to start can you give me a bit of help?

[steven4064]

Hi rosemary

Send them a S.A.R - (Subject Access Request) (http://www.consumeractiongroup.co.uk...ction-act.html) to get all your statements if you haven'e kept them.

Once you have your statements you can then list all the unlawful charges they have made on your account and the interest they charged on top.

You should start your own thread on the 'store cards' forum so that we can help you along, encourage you and offer congratulations when you win.

Steven

If this post is helpful, please click the scales

	Subject Access Request A Subject Access Request is a demand which you can make to any organisation to disclose any personal information which they hold on you. The right to disclosure of data is provided by the Data Protection Act. There is no time limit. The organisation is obliged to reveal everything they have about you - which you ask for - as far back as you ask for. There are very few exceptions. It does not matter whether the data is held on microfiche, in an archive, on tape, in a cardex system, in sound recordings or in screen notes. Some companies are saying that they do not have to disclose where it would be difficult to do so - "disproportionate effort". This is untrue. Disproportionate effort refers to something else under the Act. If you are seeking bank charges information then you should ask for "all data held on you" and you should make it clear that you want everything as far back as it goes. Do not be put off by excuses. Do not accept being fobbed off. It is not in your bank's interest to make full disclosure to you. This means that it is in your interests to get it. If you have not started gathering your bank charges information yet, then you should start now. There will soon be a big rush once the OFT test case has been settled. Get all of your bank account informtion as far back as possible. At least as far back as 1995. If your bank says that they don't keep data as far back as this, don't accept it. Be persistent. They've got what you need in some form or other.

	Are you letting your bank keep your money Are you giving away thousands of pounds?? Many people aren't claiming all of the money they are entitled to when they make their bank charges claims. You have been forced to pay unfair bank charges. Have you forgotten that your bank has charged you inteest on those charges? If you are overdrawn and the bank owes you charges - then your overdraft is made up of charges - money which you bank owes you. Yet you are paying interest to the bank - on your own money!!! Follow this link to see the discussions on this. You might even double th size of your claim.

[eastham75]

Can i include all GE money store cards on one request??

[sianyboo]

Originally Posted by eastham75

Can i include all GE money store cards on one request??

I was wondering this too, as I had an Etam card, and Newlook which used to be GE Capital. Now called creation??

[steven4064]

Originally Posted by eastham75

Can i include all GE money store cards on one request??

Yes, but watch the £5000 limit, if that is applicable

Steven

If this post is helpful, please click the scales

[half ax I]

Originally Posted by sianyboo

I was wondering this too, as I had an Etam card, and Newlook which used to be GE Capital. Now called creation??

sianyboo

I think Creation are a different company than GE Capital. Different stores use different providers and they can move them around. Creation have a DUET card. They used to do the cards for the Sears Group of companies. Some of those companies were sold on and changed to their new owners partner usually GE. Creation still provide cards for some companies - this link should give an idea of who they provide cards for. Creation Financial Services Limited - A unique range of skills

[sianyboo]

Cheers for that link mate

I think i remember now, Etam card (could be used as Duet) was Creation. And newlook was GE Capital, but it moved not long after i paid it off.

Thanks mate

sianyboo

[Poppy07]

Hi there, I sent an Subject Access Request to GE Money some time ago for two store card accounts, I recently had to send them a letter of non-compliance as they never sent my statements. Anyway today I received a letter from Mark Metcalfe of GE Money offering a full refund of the charges applied to the two accounts, and that I will receive this amount shortly.
Firstly, I have never received my statements or even a schedule of the charges, so how do I know if the amounts are correct. And secondly I had these cards some time ago and have since closed the accounts and cut up the cards as any owing amounts were paid off, so I don't know whether they're going to send me a cheque or refund onto these old accounts. So what I want to know is has anyone got a direct number I could phone, as there isn't a telephone number on the letter they sent me, even though Mr Metcalfe told me in the letter to ring if I have any queries!!!

Thanks x

[rosemaryednam]

Hi Poppy07
Today I recieved a letter from Mr Metcalfe apologising for the delay in answering a request for a Subject Access Request. On the letter the telephone number he says not to hesitate to ring if I have any questions is 08701242415.

	Subject Access Request A Subject Access Request is a demand which you can make to any organisation to disclose any personal information which they hold on you. The right to disclosure of data is provided by the Data Protection Act. There is no time limit. The organisation is obliged to reveal everything they have about you - which you ask for - as far back as you ask for. There are very few exceptions. It does not matter whether the data is held on microfiche, in an archive, on tape, in a cardex system, in sound recordings or in screen notes. Some companies are saying that they do not have to disclose where it would be difficult to do so - "disproportionate effort". This is untrue. Disproportionate effort refers to something else under the Act. If you are seeking bank charges information then you should ask for "all data held on you" and you should make it clear that you want everything as far back as it goes. Do not be put off by excuses. Do not accept being fobbed off. It is not in your bank's interest to make full disclosure to you. This means that it is in your interests to get it. If you have not started gathering your bank charges information yet, then you should start now. There will soon be a big rush once the OFT test case has been settled. Get all of your bank account informtion as far back as possible. At least as far back as 1995. If your bank says that they don't keep data as far back as this, don't accept it. Be persistent. They've got what you need in some form or other.

[eastham75]

Once ive got the cash i am going to try for GE mONEY THEY MUST HAVE A FEW HUNDRED QUID OF MINE.

[sandraroff]

Can Someone Help Me Here? I Have Asked Ge Money For The Charges On My House Of Fraser Store Card And Have Been Sent Statements For The Time That The Account Was Passed To A Collection Agency, But The Previous Two/three Years To That, They Are Saying That They Cant Retrieve Because Of Technical Problems. Can They Do This? And What About The Interest That Was Charged During The Short Time Before It Was Passed To The Collection Agency? Its Collossal! What Started Out As Me Owing Them £350 Ended Up At Almost Two Thousand!!

	Are you letting your bank keep your money Are you giving away thousands of pounds?? Many people aren't claiming all of the money they are entitled to when they make their bank charges claims. You have been forced to pay unfair bank charges. Have you forgotten that your bank has charged you inteest on those charges? If you are overdrawn and the bank owes you charges - then your overdraft is made up of charges - money which you bank owes you. Yet you are paying interest to the bank - on your own money!!! Follow this link to see the discussions on this. You might even double th size of your claim.

[sitcom123]

can anyone give me a direct number to anyone at ge i have only got the customer services and they never answer, they leave you on hold for ages. I have checked my statements and they only owe me £130 so I am hoping they will pay me without too much hassle

[sitcom123]

bump............