Can anyone tell me if this is the current address for GE Money?

GE Money Home Lending

PO Box 912

Newport

NP20 9PB

The loan i am enquiring about was originally through Loans.co.uk but they seem to not be operating anymore.

Tomorrow marks the 1 month mark for me SARing GE Money and Loans.co.uk.

I wanted to wait a while to see I could get an original council tax letter to send

I could not get one

the previous one I used this year was not returned

I had to work with a photocopy of a photocopy.

After a short while that is what I used.

I'm doing this on behalf of my Dad.

We got one letter back from the address I had for Loans.co.uk and they wanted verification on who my Dad is.

I'm not sure what to do there or what to even send to do that.

They also sent back the £10 postal order.

With GE Money there has been nothing.

The date the letters and postal order was sent was the 18th October.

Tomorrow is the 18th November.

I did notice that GE Money have a PPI section on their website where you can give them details and they look into it for you,

I figured the SAR would reveal everything.

Obviously they could come tomorrow but if they don't what are my options?

Do I contact them by letter?

Do I contact them by phone?

Do I use the PPI section of their website?

They were both sent recorded so I know they did receive them.

What do you do when they don't send the paperwork?

Thanks.

sar is 40 days.

as for loans.co.uk

send them what they want.

dx

Thank you for that. I'll see what ID they want or maybe try get a number for them and ask them over the phone what would be suitable for them.

passport would do

he don't drive now I bet?

gas/electric billS

Hi there, there's not much to report.

My Dad didn't want to send his passport or driving licence because he wasn't sure if they would ever be sent back.

Also we don't have any recent electric/gas bills or council tax letters.

I had sent a photocopy of a photocopy of the last council tax letter which was way back at the start of last year

so I don't know if that caused any problems with Loans.co.uk and the fact that I had sent photocopies rather than an original copy.

With GE Money we decided to leave it a while longer just in case there was issues with the post

in December left it longer just in case maybe the Christmas post affected anything but still nothing has come.

We have had nothing back from them so at least they didn't return anything.

They aren't open today but hopefully they are tomorrow and I can call them.

I also have the receipts from the post office which not only have the number for sending recorded delivery

(I will have to double check it was received and signed for)

but also the £10 postal order with their name and postcode on it.

When this happens and you SAR a company and they don't give you the documentation and don't give you any reason why they are not giving you it what is the best thing to do and to say to them?

I know GE Money have a part of their website dedicated to PPI and you can make a claim online so obviously they must have staff there doing that work but with me already sending the postal order and making the SAR request what is the best way to go forward with them?

Is it on the phone?

Is it in writing?

If it comes down to documentation obviously

I'll have to have another thorough look to see if there are any original documents,

I think there are some gas and electric bills but they are from an old company,

but they do have my Dad's name and address on it.

I can't even be sure if they are there since they would be well over a year old and there's a good chance they were thrown out.

I don't know if we will receive any new bills or council tax letters, if we do then I think we will give Loans.co.uk another try.

you never ever send originals!!

give em a ring

ask where it is

an sar is a legal document

failure to comply can lead them to be taken to court.

dx

I'm not long off the phone.

The SAR team finished early today but the person on the phone told me what happened.

They did send a letter out but it was to the previous address and it was the previous address that was on their system.

They said that was on the 20th November.

They apologized for that and said the reason for the letter is they failed to do a signature check

which means they don't have any signatures on file

so they couldn't check the signature on the letter against anything

I can either send in my Dad's passport or driving licence as those will have signatures and also a recent letter with the current address on it.

They asked if we had anything within the last 3 months which we don't

the easiest way to do it was to phone the bank and ask them to send a statement out.

She said he could black out the statement part if he wanted

but I'm not sure how you would do that

but that leads me to the next part.

She said with the signature,

I could scan it and email it rather than post it.

I don't know if the letter could be the same way and black the statement out that way.

They asked to confirm if anyone else was on the account

I said my Mum is but she passed away

they said to send in the Death Certificate by post.

Once the signature is received and the Death Certificate is received

they have 40 days to send out the paperwork.

We're going to see if there's any letters from the bank dated within the last 3 months

if so that would save me phoning and waiting longer for the statement to arrive and obviously post the Death Certificate and send it recorded.

I don't know if the best way to do it is half and half,

half scanned in and emailed

and the Death Certificate has to be sent in physically

or send it all in the mail.

I'm sure it will be fine but obviously there's some paranoia that they wont send them back

but she said everything is updated on the system to say what the current address is.

The accounts were on their system,

they asked for the account number

but we didn't know it

they said that is fine and did other security checks

so hopefully if this can all be done tomorrow they wont be long in sending everything out.

do it ALL by scans attached to an email.

use PDF as that will be zoomable

that way you can blank out what you need too.

VERY important on the bank statement!!

dx

I will do that tonight then and see if there are any recent bills or letters from the bank and get it all done. Should I ask for confirmation that they have received them?

just rsvp on the email

Thank you for all your help. I will do that and get it sent ASAP

We got a certified bank statement today and I've blanked out the statement part and the account details and balances.

I got scans of the Death Certificate and Driver's Licence and created a PDF

emailed it to them

asked them to respond

confirm they have received it

will continue with the SAR

send the information out.

All of the paperwork arrived today and there is quite a lot of it. I haven't seen anything about PPI yet but will have a closer look. Having looked at the statements it seems to be -

Direct Debit

Interest

Direct debit recall charge

Additional Interest

Direct debit recall

Direct debit receipt

Administration fee

Debt Counselling

Field Agent Inv:

Solicitor Interim Legal Fees

Redemption Cheque Blemain Finance

Income on early settlement

Solicitor Discharge Fee

Administration Discharge Fee

Repayment of administration charges

Repayment of fees and additional interest

Repayment of capital

Balance transfer on settlement.

Is there anything there that I should be taking note of?

urm lots of penalty charges there by the looks of it!!

and they took you to court at sometime too?

There is a lot haha.

I have no idea about going to court.

I will need to ask my Dad about it all.

On the actual individual statements there is a thing called Debt Counselling which is £47 for several months and I found another document saying they recommended the Debt Counselling.

It does say the total loan amount and what goes where.

Halifax, 2 payments to Igroup Financial Services, Champion Finance, a portion to my parents and the bulk of it all to Blemain Finance.

The company Igroup Finance pops up everywhere,

the initial loan seems to be with them or at least it's their name on the application form.

The 'Introducer' is listed as Champion Finance.

There is a letter from Blemain also addressed to GE Money saying there is a cheque enclosed for the full amount of what was required. I'm trying to figure out how GE Money figure into all this.

The very front page of the SAR says -

Loan Owner - GE Money Secured Loans Ltd

Also looking through the individual statements,

for around the first half of them at the top left hand corner it says Originator: Igroup Loans Limited

below it gives a phone number if you need to contact them.

From then on it no longer says that but it does say GE Money at the bottom with their logo and the phone number listed is the same phone number.

Does that mean they are under the same umbrella?

Same company?

Loan Originator - GE Money Secured Loans Limited

they are all part of the GE group

those fees can all be reclaimed!!

Does that mean everything I listed apart from the interest can be reclaimed?!

All of the paperwork arrived today and there is quite a lot of it. I haven't seen anything about PPI yet but will have a closer look. Having looked at the statements it seems to be -

 

Direct Debit Interest

Direct debit recall charge

Additional Interest yes if this is int on arrears or penalty fees

Direct debit recall

Direct debit receipt

Administration fee

Debt Counselling

Field Agent Inv:

Solicitor Interim Legal Fees

Redemption Cheque Blemain Finance

Income on early settlement

Solicitor Discharge Fee

Administration Discharge Fee

Repayment of administration charges

Repayment of fees and additional interest

Repayment of capital

Balance transfer on settlement.

Is there anything there that I should be taking note of?

not sure on the blue what they are

we'd have to see the actual statements. I think

I will scan some in.

The direct debt recall is always the same amount as the actual direct debit.

Additional interest seems to be every other month.

So for instance it says -

21/04/2005 Direct Debit - £187.31

17/05/2005 Interest - £136.21

Direct Debit - £187.31

Direct Debit Recall - £187.31

Additional Interest - £0.29

Direct Debit recall charge - £2.00

Installment due - £187.31

The interest adds to the balance, the direct debit reduces the balance, the direct debit recall then adds the same amount back to the balance, additional interest is then added along with a £2.00 charge and then it's time for £187.31 to be paid again, which it is, then a Direct debit recall which then adds that same amount back to the balance and on it goes.

When it lists additional interest, sometimes in that line the arrears balance is left empty and other times there is a figure there so I don't know does that mean the one with the figure means the additional interest is being charged on the arrears.

It goes from 2004 to 2007.

When it starts getting to 2006 there doesn't seem to be any direct debit recalls but there are Direct Debit receipts.

That also seems to be when there's £40.00 admin fees everywhere and the additional interest ends up well over £40 every time rather than prior where it always seems to be under £1. The individual statements also have an arrears column so I don't know how that fits into it.

Also at the end of the paperwork there is a transaction summary but there's a lot of things in the individual statements not listed there like a Reactive Fee Due (LRO) so I don't know

do I trust their transaction summary or go through everything individually?

Also a lot of statements are sent multiple times.

Sometimes It will be a 30 day statement, sometimes it's 3 months and in one case I've seen it goes for almost a year so I could end up looking at the same statement 3 times.

in simple words

that's GE for you!

I'm going to scan the statements just now because the first 3 statements cover a few months but there's dates on them and charges which don't show up on them all.

The last one covers I think 3 months but there's things on that 3 month statement which don't appear on the individual statement for that month.

I'll redact any info needing redacting and put them into a PDF file.

There is a letter mentioning repossession but it didn't go ahead.

what do you mean to repo didn't go ahead

did they raise the claim but your dad sorted it in court or before it got that far?