Penny v G.E. Money ***WON***

[pennypenny]

I received statements today from hubbys Burtons account. They didnt take too long, about 4 weeks, but there are a load missing, although that doesnt surprise me after reading other threads about them.

There are a couple missing from 2004 and 2005 and 2007 which should be quite easy to work out if there are any charges on them, then there are about 4 missing from 2006. I will have to either estimate them or work it out from the statements either side.

I will also be claiming interest, and as there is only about one hundred and odd pounds on the account the refund should pay off the card with some left over.

I'm off to work out the charges:-)

 

Penny

[pennypenny]

I've finally managed to work the charges out. I worked them out using contractual interest at 29.9% which is the same rate they have been charging us and it comes to over £400 , not bad, just have to get the prelim letter done and send it off

[maroondevo52]

Good Luck, with that. Pennypenny

 

 

Regards.

 

Scott.

[pennypenny]

Thanks for your good wishes Scott

Does anyone know if I just send the prelim used for bank charges with the wording amended to say late payment charges? and do I put in the bit about the OFT test case or do I leave that paragraph out?

There is also a couple of charges that were estimated so how likely are they to pay them back? Their letter says about the missing statements "Due to system issues unfortunately the statements are no longer available to us" so how would they know if there were charges on them anyway?

Thanks,

Penny:)

[pennypenny]

Has anyone any idea if I just send the bank charges prelim, I really want to get it sent off as soon as poss, Thanks;)

Penny

[steven4064]

Hi Penny,

 

You can jsut use the bank charges one with the wording suitably changed. My GE money letters, etc are on my GE money tread but that isn't how I would do it now. My recent thoughts (and success) on the way to do credit cards are in my Goldfish thread. THat also has compound interest in restitution.

[pennypenny]

Thanks Steven,

I have had a look on your threads, they are a great help thanks, I also used the spreadsheet on your goldfish thread and the interest worked out more than the one I originally used so thats fine by me:-)

I hope I get away with the estimated charges but as they didnt see fit to send me all my statements then thats their tough luck.

Thanks again,

Penny.

[steven4064]

We claimed some estimated charges for the same reason and got them

[pennypenny]

I sent my prelim off recorded delivery yesterday so lets see what they come up with, probably an offer somewhere between but not nearly enough. Let the fun begin:lol:

Penny

[jaxads]

I've a GE thread for my storecards -- some statements were missing so I just put on charges for those. I got them all back. good luck penny - I'm sure you'll get them back (they don't take too long to reply either) x

[pennypenny]

Thanks Jaxads,

Well done on your claim with GE I will have a look at your thread.

 

[pennypenny]

That was quick:eek: they replied yesterday to my prelim, but with an offer which is nowhere near enough. They have offered £45 which is the proportion of the charges that exceed £12. Thanks but no thanks.

So onwards and upwards, I shall wait till the 2 weeks is up and then off with the LBA. I will add a bit at the beginning accepting their offer as partial settlement but I will be going after the rest.

Penny

[steven4064]

Spot on Penny

[pennypenny]

I have received a reply to my LBA, but not a good one. They say their offer of £45 is their full and final decision so it looks like I will be filing a court claim.

[pennypenny]

Hi,

 

I have been slightly distracted with other matters lately and have left this claim at the bottom of the pile somewhat.

 

The last word I heard off G.E. is that basically I will be getting no more than £45.00 so get lost. Looks like I'm off to court then. Its a long time since I've done this so any help will be greatly appreciated:)

 

Penny

 

[pennypenny]

Hi:)

Due to mainly lack of money I still have not got any further with this, and would really like to get back on track.

Since it has been 8 months since I sent the LBA to them should I start again from the prelim or re do the LBA to jog their memory a bit?

Penny:)

[steven4064]

You don't need to. You told them you would start court proceedings without any further communicatio - just do it

[pennypenny]

Hi all,

 

I finally got around to putting in a court claim for my G E Money charges and they have defended it already. The letter that came with the defence says that the filing of an allocation questionaire be dispensed with in this case unless the District Judge at the court of transfer orders otherwise. I am a bit rusty with court claims having not done one in a while so any help would be gratefully recieved:)

 

Do I now just wait until a court date comes through or is there anything I should be doing in the meantime. I seem to remember sending a schedule of charges to the solicitors at one point but cannot remember when. Oh, I am gonna so mess it up:???:

[24233513afw]

Hi Penny

 

Reading your thread with great interest we wrote to GE Money approx 3 weeks ago from Suject Access Request for 5 accounts my Daughter had with them all paid off but stacks off charges to claim (Seems like they may not reply hoping we shall go away).

I cant imagine what it like to be at the court stage but please do not give up now and let these b*****s off with your hard earned money.

We shall all be keeping our fingers legs arm toes anything crossed for you and I am sure there is plenty off people on here who will help you through it, this site is the best thing since sliced bread

Good Luck Keep your chin up I have every confidence in you and this site.

GO FOR IT>>>>

Cheers

afw

[pennypenny]

Thanks for your support afw. Good luck with your claims, G E are very stubborn and try to tell you that a £12 charge is acceptable, and they also seem to miss out some statements, they did with mine and most others I have read.

 

I agree with you that this site is the best, it has helped me a lot and I would be in a worse financial state if I hadnt found it;)

 

keep us posted on how your claims are going:)

 

Penny

[angel17]

How did the court case go?

[pennypenny]

I am still waiting for a court date. I filed the claim with MCOL and they have transfered it to my local court after G E Money defended the claim. I think I have to wait for a court date from my local court. I'm kind of hoping it doesnt get that far though:(

[Ferg]

Hi All,

 

I am having the same nonsense with Santander who state that the OFT agreed that a £12 fee is reasonable and that they won't refund the charges.

 

I have now written to them again stating that they are punitive charges and therefore unlawful. This is a letter that I am sending them before issuing a Letter Before Action.

 

These companies really GRIND MY GEARS!!!!!

[steven4064]

Ferg

 

Start your own thread and tell your story there - there will be plenty of help

[pennypenny]

Still waiting to hear from my local court after this claim was sent there.

 

Has anyone any advice on what I could do in the meantime or is it a case of waiting around for a court date??