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    • Well we can't predict what the judge will believe. PE will say that they responded in the deadline and you will say they don't. Nobody can tell what a random DJ will decide. However if you go for an OOC settlement you should still be able to get some money
    • What do you guys think the chances are for her?   She followed the law, they didnt, then they engage in deception, would the judge take kindly to being lied to by these clowns? If we have a case then we should proceed and not allow these blatant dishonest cheaters to succeed 
    • I have looked at the car park and it is quite clearly marked that it is  pay to park  and advising that there are cameras installed so kind of difficult to dispute that. On the other hand it doesn't appear to state at the entrance what the charge is for breaching their rules. However they do have a load of writing in the two notices under the entrance sign which it would help if you could photograph legible copies of them. Also legible photos of the signs inside the car park as well as legible photos of the payment signs. I say legible because the wording of their signs is very important as to whether they have formed a contract with motorists. For example the entrance sign itself doe not offer a contract because it states the T&Cs are inside the car park. But the the two signs below may change that situation which is why we would like to see them. I have looked at their Notice to Keeper which is pretty close to what it should say apart from one item. Under the Protection of Freedoms Act 2012 Schedule 4 Section 9 [2]a] the PCN should specify the period of parking. It doesn't. It does show the ANPR times but that includes driving from the entrance to the parking spot and then from the parking place to the exit. I know that this is a small car park but the Act is quite clear that the parking period must be specified. That failure means that the keeper is no longer responsible for the charge, only the driver is now liable to pay. Should this ever go to Court , Judges do not accept that the driver and the keeper are the same person so ECP will have their work cut out deciding who was driving. As long as they do not know, it will be difficult for them to win in Court which is one reason why we advise not to appeal since the appeal can lead to them finding out at times that the driver  and the keeper were the same person. You will get loads of threats from ECP and their sixth rate debt collectors and solicitors. They will also keep quoting ever higher amounts owed. Do not worry, the maximum. they can charge is the amount on the sign. Anything over that is unlawful. You can safely ignore the drivel from the Drips but come back to us should you receive a Letter of Claim. That will be the Snotty letter time.
    • please stop using @username - sends unnecessary alerts to people. everyone that's posted on your thread inc you gets an automatic email alert when someone else posts.  
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Karen Vs GE money


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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

 

 

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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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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.

 

 

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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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