GE Money CCA Help

[Jaffa1961]

Hi, Can anyone help?

 

I sent a CCA request to GE Money for a Debenhams store card.

 

They have returned my postal order because I didn't sign the letter, as per the advice here.

 

Am loath to sign incase they get 'creative'....

 

What should I do now?

[davey77]

You are not required to sign anything especially if they have been communicating with you, sending statements etc. They know who you are and are just trying to get hold of your signature.

 

In such cases you can tell them that the Information Commissioners Office confirmed to you that no signature is required. (of course, if you haven't used the account for years and haven't had much communication that changes things a bit.)

 

Use a digital signature instead. It will be signed but it won't relate to your personal hand writing:

 

Online Personal Signature Maker - MyLiveSignature - Free Personal Signature Generator

[Jaffa1961]

Davey,

Thx you are a genius! I now have a digital signature and yes I've been getting regular statements, they are just trying it on IMHO.

[Jaffa1961]

Update on GE Money

 

Sent second letter to GE saying that not providing a signature, did not negate them of their obligation to provide a copy of my CCA. I added a digital signature and explained that they quite clearly new who I was as they have been sending statements to me etc.

 

They have once again returned my postal order with a letter saying that until I provide a signed letter they will not correspond with me further.

 

What to do now? Can I put the account into default?

[davey77]

Personally i would start the clock ticking. They have failed to comply with your request for statutory information due to their misunderstanding of the requirements concerning signatures. That's their problem, not yours.

 

I would email/write to the ICO to ask them to (not get involved) but to state their position under such circumstances where a creditor has been in communication with you, sent you statements, knows full well who you are etc. I understand there is no requirement under the CCA Act for you to oblige them with a signature.

Once you (hopefully) have that confirmation (or something positive you can use to your advantage) from the ICO, copy it and send it back to the creditor telling them the clock is ticking.

 

In the mean time make a complaint to Trading Standards in writing that the creditor has not supplied the information you requested and are attempting to avoid doing so.

[Jaffa1961]

Thx Davey for the advice.

 

I will et on to that, have had same sort of reply from M & S Money, so will be doing the same to them too.