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Karen Vs GE money


Karen22382
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Am about to send a SAR to GE money for store cards with Debenhams, Dorothy perkins and Top shop. Do I have to send £10 for each card? And is the address the same. I feel a bit braver with so many people going through the same thing. Its a great site!

 

Karen

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welcome.gif

 

One £10 should be sufficient for all 3 accounts, it's about the data held on you, make sure you are very specific in your SAR to give each account number and card name.

 

Keep us updated and remember we're all in this together. :-)

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Thankyou for the welcome and advice. Before I send it will they still accept a cheque? Alot of company's no longer use cheques and I do not want them to delay this matter any longer than they will try to do anyway so what is the chance they will ask for a different payment? Karen.

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Hi Karen,

I am slightly ahead of you with GE. I have just sent off the prelim yesterday. The statements didnt take long to come, about 4 weeks, although there were a few statements missing so I had to estimate the charges on those.

Good luck with your claim:-)

Penny

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  • 2 weeks later...

Awwww, diddums... If you owed them money, do you think they would accept you saying: "Sorry, I have been overwhelmed with bills, I'll get to yours asap"??? :rolleyes:

 

You could write back and say: "thanks for the apology, but the clock is still ticking and you now have X days before I make a complaint to the Information Commissioner". That should sharpen their mind nicely. ;-)

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I sent mine to

 

Sarah Wainwright

Data Protection Administration

GE Money

PO Box 700

Leeds

LS99 2BD

 

I received information 13th July! All the dcharges were listed in one letter, with dates, for all accounts. As they are not statements I can not check them but I will have to work with what I have.

 

Do I send 1 LBA for them all or 3 seperate?

 

I will also have to go work out the interest on top.

 

Karen x

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I just realised, when reading through the interest threads, that I probably can not claim interest back. This is because my SAR came back in letter form rarther than statements, therefore the balance at the time of the charge is unknown. Can anyone help with this?

 

Is it possible that they are aware of this and are sending in this format so that people can not work out interest? Hence, saving them money?

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Or you can just estimate the interest - if your account was almost always near the credit limit then a reasonable estimate is just to apply their rate of compound interest to the charges

Steven

 

Using CAG Toolbar will generate much needed income - Download Here

 

Confused by Simple Interest? Confounded by Compound Interest? Read my Interest Tutorial

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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I'm npot sure that they all were but I will work it out somehow..i'm wure they will be too busy with all the thousands of other claims to pick through my claim ;p

 

So do I send 3 seperate prelim letters or can I umbrella them all under one?

 

Karen.

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If they are GE money, you can lump them into one claim. If, in total, they amount to more than £5k, you may want tosplit them though.

 

Steven

Steven

 

Using CAG Toolbar will generate much needed income - Download Here

 

Confused by Simple Interest? Confounded by Compound Interest? Read my Interest Tutorial

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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Nope its just under £400 so I will lump them together. Thankyou will keep this post informed. :D

Hi Have just received letter back from GE Money listing all charges but it only went back to 2005 and I have had account with them for well over 10 years. How long can you go back. thanks everyone. pam

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Mine only went back till 2005 but can't remember whether I had card before then, though do not think I got chages back then anyway.

 

Legally you can reclaim charges from 6 years back. So that should be from 2002.

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I think you can claim charges back as far as you can get information. 6 years is the normal limit but s32 of the Limitations Act 1980 provides for remedy of mistake - in that case, it is 6 years from when the msitake can to light. You paid the charegs msitakenly thinking they were lawful until you recenty found out they weren't.

Steven

 

Using CAG Toolbar will generate much needed income - Download Here

 

Confused by Simple Interest? Confounded by Compound Interest? Read my Interest Tutorial

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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I have put this on the back burner as of late due to confusions over wording of the prelim. I am not sure which bits to take out so does anyone have an adapted prelim for store cards please?

 

Thankyou inadvance. Karen.

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