Marc Gander - The Consumer Survival Handbook


A 220 page introduction to all things consumer related by our own BankFodder.

Includes energy companies, mobile phone providers, retailers, banks, insurance companies,debt collection agencies, reclaim companies, secondhand car sellers, cowboy garages, cowboy builders and all the rest who put their own profits before you.

£6.99



Patricia Pearl - Small Claims Procedure - A Practical Guide


An excellent guide for the layperson in how to use the County Court - a must if you are intending to start a claim.

£19.99 + £1.50 (P&P)


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  1. #61
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    Default Re: Reclaiming GE Money admin charges

    OK thanks DX Ill just go back the last 6 months and re do the spreadsheet - can you advise me on which spreadsheet to use and what interest rate to put in given that the rate varied over the time?


  2. #62
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    Default Re: Reclaiming GE Money admin charges

    6yrs not months
    you could try putting ALL of them on your sheet
    see what they do??

    stat int sheet [auto at 8%] as that will be more money than the CI at 2%

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  3. #63
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    Default Re: Reclaiming GE Money admin charges

    Thanks DX! All done and in the post recorded delivery. Will update the thread once they replied.


  4. #64
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    Default Re: Reclaiming GE Money admin charges

    good luck


    what were the charges for? and what are your grounds for refund?


  5. #65
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    Default Re: Reclaiming GE Money admin charges

    Update: GE Money replied to me saying that since my mortgageicon was taken over by Kensington last year that they have closed the case and forwarded the complaint over Kensington.

    I thought that as GE had charged the adminicon charges originally that the claim would be to them.
    Question is do I trust that they have forwarded the claim to Kensington or do I resend the complaint again


  6. #66
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    Default Re: Reclaiming GE Money admin charges

    what were the charges for? and what are your grounds for refund?


  7. #67
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    Default Re: Reclaiming GE Money admin charges

    Hi Jaxleeds, the charges are for administration charges - sometimes they charged 40 sometimes 50, also some other charges like counselor visit? I am advised these charges are way over the actual costs to them as a company and are therefore unlawful and can be reclaimed. Probably better that one of the CAGicon experts explain it rather than me!


  8. #68
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    Default Re: Reclaiming GE Money admin charges

    already tried by its not stuck in...

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  9. #69
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    Default Re: Reclaiming GE Money admin charges

    Quote Originally Posted by surrey_36 View Post
    Hi Jaxleeds, the charges are for administration charges - sometimes they charged 40 sometimes 50, also some other charges like counselor visit? I am advised these charges are way over the actual costs to them as a company and are therefore unlawful and can be reclaimed. Probably better that one of the CAGicon experts explain it rather than me!

    Exactly the same situation as me then. Good luck!


    dx - what have you tried to explain to me that 'hasn't stuck in' ?


  10. #70
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    Default Re: Reclaiming GE Money admin charges

    Hi Jaxleeds, have you had any luck on this?


  11. #71
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    Default Re: Reclaiming GE Money admin charges

    I have had a reply from Kensington in relation to my claim originally to GE Money (but then as the mortgageicon was taken over by Kensington the claim was redirected to Kensington).

    They have offered as a gesture of goodwill to refund 9 adminicon charges of 40.00 and one charge of 50.00. Totalling 410.00. There is no mention of compound interest but only am additional payment of 50 as they did not keep me informed of theprogress of the complaint as promised.

    There are over 20 adminicon charges within the last 6 yearsicon of 40 and some 50, also a 'debt counselling' charge of 90.00, I need to put this all into the spreadsheet again but I think this adds up to with compound interest about 1400.00.

    Can anyone advise me of the next action given that they have provided this response not including all unfair adminicon charges and not including and compound interest.

    Thank you


  12. #72
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    Default Re: Reclaiming GE Money admin charges

    do as you've correctly stated

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  13. #73
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    Default Re: Reclaiming GE Money admin charges

    That was quick DX thanks!
    Is there a template letter on here I can use to follow up with ?
    Help is much appreciated!


  14. #74
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    Default Re: Reclaiming GE Money admin charges

    no need for one
    simply write back and demand the other charges back ONE line
    inc spready

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  15. #75
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    Default Re: Reclaiming GE Money admin charges

    Their letter says its their final responseicon and if im not happy to go to the fosicon?


  16. #76
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    Default Re: Reclaiming GE Money admin charges

    do both

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