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. #1
    Basic Account Holder surrey_36 Novitiate surrey_36's Avatar



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    Default Reclaiming GE Money admin charges

    I'm just starting a claim for 40 adminicon charges added over the years,

    Ive been reading through threads tonight and just confused about the spreadsheet to use and what interest charge to put into the spreadsheet.

    On the mortgageicon statements the interest rate varies from 2.95 up to 7.99% on the 2006 statements.

    Also unclear if I should use the StatInt Sheet or the CISSheet.

    At the end of each statement is says for example (annual statement 2009)
    Interest Bearing Charges 1837.50
    Additional Interest Incurred 213.88
    Payment received towards these charges & Interest 125.54

    So gathering from others posts and responses these additional charges are non reclaimable?

    Sorry for posting when I'm sure this is all in here! Just want to make sure I get this right, as I usually get everything wrong!


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

    I very much doubt you'll get penalty charges back out side of 6yrs.

    dx

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  3. #3
    Basic Account Holder surrey_36 Novitiate surrey_36's Avatar



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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?


  4. #4
    Site Team dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk's Avatar



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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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  5. #5
    Basic Account Holder surrey_36 Novitiate surrey_36's Avatar



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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.


  6. #6
    Basic Account Holder Jaxleeds Novitiate



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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?


  7. #7
    Basic Account Holder surrey_36 Novitiate surrey_36's Avatar



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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


  8. #8
    Basic Account Holder Jaxleeds Novitiate



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    Default Re: Reclaiming GE Money admin charges

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


  9. #9
    Basic Account Holder surrey_36 Novitiate surrey_36's Avatar



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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!


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

    already tried by its not stuck in...

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  11. #11
    Basic Account Holder Jaxleeds Novitiate



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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' ?



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