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Advice Ge Money, what now?


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Hiya, this is the first time i have tried reclaiming my charges. I sent the SAR to GE for 2 accounts i have 1 Dorothy Perkins, total charges £330 and 1 Outfit £202 charges. I sent my prelim had no response then my LBA, today i have received what looks like a standard letter simply saying 'the fees you refer to in your letter have been aplied in accordance with standard t&c etc ...the OFT ruling deemed that a fee over £12.00 would be presumed to be an unreasonable amount ....

They then go on to say as i gesture of good will they will refund the proportion of charges incurred over £12, £51 DP and £36 Outfit in full & final settlement.


Is this just a fob off standard letter and should i carry on with the claim or should i just accept the offers.


Thanx x

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Is this just a fob off standard letter and should i carry on with the claim or should i just accept the offers.
Yes, it is a fob off; no, you shouldn't accept their 'offer'.


Write politely and tell them you will accept their offer as a part settlement only and give them 7 days, say, to respond or you will start court proceedings. Start getting your stuff ready. You will find particulars of claim suitable for GE money on my GE money thread - you will have to modify it a bit because the situation is slightly different.


Keep at them, they will give in before you actually get to court.



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My Wins

 GE Money Won unconditionally May 2007

NatWest Won unconditionally August 2007

Brighthouse Won unconditionally August 2007

Goldfish Won unconditionally April 2008 (including CI on the basis of Sempra)

Clydesdale Financial Services (now BPF) Won unconditionally February 2008


Any opinions are without prejudice & without liability. Do not take any legal action on my advice alone. Almost everything I know concerning the law I learned from this site.


Please note, I will not give advice by PM. Please send a link to your thread and I will do my best to answer there.


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