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Help with a PPi claim G E Custom finance


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Hi everyone after a number of days having a good look around the PPI threads i am now ready to start a number of claims i will start seperate threads as i begin them.

 

I could do with a bit of help with this one first it was a car loan taken out in March 2002 for 48 months dealer is now no longer trading finance arranged with G E Capital Bank Ltd trading as

G E Custom Finance who i believe can be a bit difficult we paid off the car in Feb 2005 all previous payments were made on time and we were quoted a settlement figure of around 1400 which was then reduced to 623 when we enquired about handing back the car.

 

On the agreement we did not tick the box we were just told the repayments including the ppi.

 

Agreement is not clear it does not show how much the ppi is or how much interest is paid on it and there a lots of other reasons as well.

 

Is this company part of G E Money who would i send the claim to grateful for any help

 

TTS :wink:

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I think you need to send the initial request for refund to the company who provided the finance/ppi.. Which I guess in this instance is GE Money.

I am not certain whether you would need to send a copy of the agreement with the claim form or not. I will ask someone to look in on you.

Is there any way you can scan in (minus personal details) the agreement and perhaps one of the PPI guys can work out the PPI for you. I have posted instructions on how to do that below.

Dx100 – Instructions on uploading pdfs

scan the required letters/agreements/sheets

as a picture file

remove all pers info inc barcodes etc using paint

but leave all figures and dates.

goto one of the many free online pdf converter websites

convert the image to pdf format.

or ir you have PDF as an installed printer drive use that

open a new msg box here

hit go advanced below the msg box

hit manage attachments below that box

hit the add files button on the top right

hit select files, navigate to your file on your pc

hit upload files

NB:you can set where it goes in the post by hitting insert inline.

the hit reply button

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1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Yes, you attached it fine :)

 

Hmm, so they havent stated an amount the PPI would cost you overall. The only mention is at the bottom of the document where there are two separate costs for one with and one without.

 

Which amount were you paying each month ?

 

I have flagged your thread for those with more knowledge than me regarding the figures :)

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Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Thanks CitizenB here are the payments made 1st one of £190.97 on 30/04/2002 and then £115.97 on the 30th of each month until last one paid on 30/12/2004 for £115.97 and then we wrote to them asking for a settlement figure and we were quoted £1789.51 balance minus £124.93 rebate of charges minus £270.61 capital care rebate settlement amount of 1393.97 anyway after a bit of thought we were going to voluntarily treminate the agreement as we were in the process of getting a new car with black horse ( another ppi claim) so we phone up GE and they then offered us over the phone a figure of £623.54 which my mother law paid for us so we could keep the car and get rid of the finance.

 

Hope that this helps

 

TTS :-)

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Hi

 

Dropping in as requested by CB

 

Very odd looking agreement as regards the insurance goes. Looks like you were paying £19.33 per month for some type of insurance but it doesn't say what type.

 

Have you got any other documentation for this HP at all?

 

Even if it is not PPI, it is still an insurtance whoich could have been mis-sold and therefore reclaimed.

 

Do you have the written settlement statement when the account was finally closed and terminated?

 

ims

If I have helped you please leave me a message by clicking my star

 

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI

Read Here

3. Reclaim Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial

Read Here

5. Feel Bullied by Creditors or Debt Collectors?

Read Here

6. Staying Calm About Debt

Read Here

7. Thinking of a Full & Final Settlement?

Read Here

 

How To Upload Documents To Cag

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I DON'T GIVE ADVICE BY PM BUT IF YOU SEND ME A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER HELP THERE

 

 

 

Private message facilities are offered for users to communicate issues that are perhaps inappropriate for posting on the main forum. Site rules explain this in more detail.

 

If you receive a private message which you consider abusive, derogatory or otherwise inappropriate, whether it be about yourself or other members, please report it using the "report" icon

 

If you are approached (or have been approached) by private message with an offer of help "Off Forum" or with a view to asking you to visit another website, please inform the site team via the report icon, especially if this results in a request for a fee. Remember, this is for your own protection

my views are my own and are given in good faith to try and help people. Please seek professional advice on your case if necessary

 

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Hi ims21 i will scan the bottom half of the agreement for you to have a look at the figures that i put up in post 6 about the settlement were sent to us in a letter in january 2005 and as we were not in a postion to pay this amount we then told them that we were going to hand the car back

(voluntariy terminate) and then they offered us a settlement figure of £623.54 as final settlement which was then paid but no breakdown as to how this amount was made up we also never received or saw the capital care booklet the last letter we got was on the 9 march 2005 certificate of completion but again no breakdown.

 

Does this help

 

TTS :wink:

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Hi

 

yes the rest of the wording may be of interest

 

ims

If I have helped you please leave me a message by clicking my star

 

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI

Read Here

3. Reclaim Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial

Read Here

5. Feel Bullied by Creditors or Debt Collectors?

Read Here

6. Staying Calm About Debt

Read Here

7. Thinking of a Full & Final Settlement?

Read Here

 

How To Upload Documents To Cag

Instructions

 

I DON'T GIVE ADVICE BY PM BUT IF YOU SEND ME A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER HELP THERE

 

 

 

Private message facilities are offered for users to communicate issues that are perhaps inappropriate for posting on the main forum. Site rules explain this in more detail.

 

If you receive a private message which you consider abusive, derogatory or otherwise inappropriate, whether it be about yourself or other members, please report it using the "report" icon

 

If you are approached (or have been approached) by private message with an offer of help "Off Forum" or with a view to asking you to visit another website, please inform the site team via the report icon, especially if this results in a request for a fee. Remember, this is for your own protection

my views are my own and are given in good faith to try and help people. Please seek professional advice on your case if necessary

 

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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Hi

 

OK so its PPI then and if you didn't want it or request it then it has been put on the account without consent and has been mis-sold.

 

Go here

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?330996-Latest-Spreadsheets-PPI-Claims-and-Charges-Claims-Dec-2011(1-Viewing)-nbsp

 

and grab the forst spreadsheet (StatIntV101.xls) and complete it listing the date of the payment, the description (i.e. "PPI Payment") and the amount of £19.33 for each normal payment you actually made.

 

As the payments would have stopped when you settled the loan and the entire premium wasn't added up front it would seem that this is just a regular payment PPI so you would stop the entries at the date you settled the account.

 

When you have completed the sheet, the green box at the top will give you a claim amount.

 

Go along to the fos website and download the consumer questionnaire and complete it.

 

Send a copy of your spreadsheet and the completed questionnaire to the lender together with a brief letter requesting the refund.

 

Lets see what they say.

 

ims

If I have helped you please leave me a message by clicking my star

 

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI

Read Here

3. Reclaim Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial

Read Here

5. Feel Bullied by Creditors or Debt Collectors?

Read Here

6. Staying Calm About Debt

Read Here

7. Thinking of a Full & Final Settlement?

Read Here

 

How To Upload Documents To Cag

Instructions

 

I DON'T GIVE ADVICE BY PM BUT IF YOU SEND ME A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER HELP THERE

 

 

 

Private message facilities are offered for users to communicate issues that are perhaps inappropriate for posting on the main forum. Site rules explain this in more detail.

 

If you receive a private message which you consider abusive, derogatory or otherwise inappropriate, whether it be about yourself or other members, please report it using the "report" icon

 

If you are approached (or have been approached) by private message with an offer of help "Off Forum" or with a view to asking you to visit another website, please inform the site team via the report icon, especially if this results in a request for a fee. Remember, this is for your own protection

my views are my own and are given in good faith to try and help people. Please seek professional advice on your case if necessary

 

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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Thanks ims21 just done the spreadsheet surprised at how quick it adds up will do the questionaire tomorrow any idea which address is best to send it to do they come under the GE Money address or not.

 

Thanks for all your help so far

 

TTs :-)

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Hi

 

It would seem that yes it is GE Money.

 

Have a read here as there is a lot of information in the thread although sadly the OP didn't come back and finish it off :sad:

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?115991-GE-Custom-not-playing-Ball/page4

 

ims

  • Confused 1

If I have helped you please leave me a message by clicking my star

 

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI

Read Here

3. Reclaim Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial

Read Here

5. Feel Bullied by Creditors or Debt Collectors?

Read Here

6. Staying Calm About Debt

Read Here

7. Thinking of a Full & Final Settlement?

Read Here

 

How To Upload Documents To Cag

Instructions

 

I DON'T GIVE ADVICE BY PM BUT IF YOU SEND ME A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER HELP THERE

 

 

 

Private message facilities are offered for users to communicate issues that are perhaps inappropriate for posting on the main forum. Site rules explain this in more detail.

 

If you receive a private message which you consider abusive, derogatory or otherwise inappropriate, whether it be about yourself or other members, please report it using the "report" icon

 

If you are approached (or have been approached) by private message with an offer of help "Off Forum" or with a view to asking you to visit another website, please inform the site team via the report icon, especially if this results in a request for a fee. Remember, this is for your own protection

my views are my own and are given in good faith to try and help people. Please seek professional advice on your case if necessary

 

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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Thanks for the link ims21 from what i have been reading GE seems to be very good at passing the buck and a bit of ducking and diving.

 

Oh well nothing ventured nothing gained will get it all in the post within the next couple of days. :-)

 

TTS

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Hi

 

GE can be a toughie but as you say, you have nothing to lose and keep at them. Don't cave in at the first refusal.

 

ims

If I have helped you please leave me a message by clicking my star

 

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI

Read Here

3. Reclaim Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial

Read Here

5. Feel Bullied by Creditors or Debt Collectors?

Read Here

6. Staying Calm About Debt

Read Here

7. Thinking of a Full & Final Settlement?

Read Here

 

How To Upload Documents To Cag

Instructions

 

I DON'T GIVE ADVICE BY PM BUT IF YOU SEND ME A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER HELP THERE

 

 

 

Private message facilities are offered for users to communicate issues that are perhaps inappropriate for posting on the main forum. Site rules explain this in more detail.

 

If you receive a private message which you consider abusive, derogatory or otherwise inappropriate, whether it be about yourself or other members, please report it using the "report" icon

 

If you are approached (or have been approached) by private message with an offer of help "Off Forum" or with a view to asking you to visit another website, please inform the site team via the report icon, especially if this results in a request for a fee. Remember, this is for your own protection

my views are my own and are given in good faith to try and help people. Please seek professional advice on your case if necessary

 

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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  • 3 weeks later...

Rest assured they will take every minute of the 8 weeks !

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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ok received a letter back of GE Money saying that they will start an investigation into the concerns that i have raised but one query i have is where it says account number they have untraceable so after 8 weeks will they then send me a letter saying nothing to do with us and then i will have to go to the FOS or the FLA as it was for hp on a car.

Will wait and see

 

TTS :|

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They should be able to find the paperwork from your name and address :)

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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  • 3 weeks later...

ok have had a letter back off GE Money basically saying that they are unable to locate an account on their systems and as they do not sufficient info to respond to my complaint they we be marking it closed on theie records.

 

If i have any new info that might enable them to locate an account i should send it to them i originally sent a covering letter and the spreadsheet and the fos questionairre i do have the agreement here should i resend all this again with a copy of the agreement.

 

TTS

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ok have had a letter back off GE Money basically saying that they are unable to locate an account on their systems and as they do not sufficient info to respond to my complaint they we be marking it closed on theie records.

 

If i have any new info that might enable them to locate an account i should send it to them i originally sent a covering letter and the spreadsheet and the fos questionairre i do have the agreement here should i resend all this again with a copy of the agreement.

 

TTS

 

So they are trying to wriggle then.

 

Yep send them a copy of the agreement and, if possible, a snapshot of the payments you have made.

 

Strong letter saying that it clear from this evidence that PPI was paid to them and you want it back.

 

ims

If I have helped you please leave me a message by clicking my star

 

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI

Read Here

3. Reclaim Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial

Read Here

5. Feel Bullied by Creditors or Debt Collectors?

Read Here

6. Staying Calm About Debt

Read Here

7. Thinking of a Full & Final Settlement?

Read Here

 

How To Upload Documents To Cag

Instructions

 

I DON'T GIVE ADVICE BY PM BUT IF YOU SEND ME A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER HELP THERE

 

 

 

Private message facilities are offered for users to communicate issues that are perhaps inappropriate for posting on the main forum. Site rules explain this in more detail.

 

If you receive a private message which you consider abusive, derogatory or otherwise inappropriate, whether it be about yourself or other members, please report it using the "report" icon

 

If you are approached (or have been approached) by private message with an offer of help "Off Forum" or with a view to asking you to visit another website, please inform the site team via the report icon, especially if this results in a request for a fee. Remember, this is for your own protection

my views are my own and are given in good faith to try and help people. Please seek professional advice on your case if necessary

 

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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  • 1 month later...

Just some info for anyone else trying to get PPi of a GE Money agreement mine was for a hire purchase for a car. I have phoned up GE Money consumer lending after they said they could not find my agreement and have been told that the hire purchase (cars ) part of the business is now part of Santander consumer finance

PO Box 700

Leeds

LS99 2BD

so another letter has just gone off to them will wait and see now :-)

 

TTS

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  • 3 months later...

Hi everyone just an update on this thread i wrote to Santander who now own the GE bit of motor finance and i got a reply back basically saying

 

''they have investigated my complaint fully and from the issues that i have raised and found as that the sale of the policy was conducted by the motor dealer from whom we bought the vehicle, it was their responsibility the ensure that the sale was handled correctly. Therefore any issue surrounding the slae of this product should be raised with them.

Whilst the dealer is responsible for addressing the complaint, we are concerned by allegatiuons of improper practices by any of our approved introducers and we have therefore noted your complain on our records for this dealer.

and they then go on to say if i am not happy with this response i can refer the matter to the fla or the ombudsman within 6 months of the date of this letter.

 

So could do with some advice please i think i would probably be best just to go straight to the ombudsman however it does not state that this is their final reply they had my complaint letter, fos questionairre and spreadsheet only 5 working days before i got the reply above so i think it may be a standard get lost letter.

 

Would be grateful for advice.

 

TTS

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On a regulated agreement their "approved Introducer" acts as their agent and S56 of the Consumer Credit Act could be helpful to you by challenging them yourself in the first place.

 

If your agreement is regulated tell them that you will be using S56 if this goes further and it squarely puts them in the frame for the conduct of their agent/broker. You can also tell them that should you need to take this further you will be backing your complaint up with this whether it be to fos or via the courts.

If I have helped you please leave me a message by clicking my star

 

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI

Read Here

3. Reclaim Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial

Read Here

5. Feel Bullied by Creditors or Debt Collectors?

Read Here

6. Staying Calm About Debt

Read Here

7. Thinking of a Full & Final Settlement?

Read Here

 

How To Upload Documents To Cag

Instructions

 

I DON'T GIVE ADVICE BY PM BUT IF YOU SEND ME A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER HELP THERE

 

 

 

Private message facilities are offered for users to communicate issues that are perhaps inappropriate for posting on the main forum. Site rules explain this in more detail.

 

If you receive a private message which you consider abusive, derogatory or otherwise inappropriate, whether it be about yourself or other members, please report it using the "report" icon

 

If you are approached (or have been approached) by private message with an offer of help "Off Forum" or with a view to asking you to visit another website, please inform the site team via the report icon, especially if this results in a request for a fee. Remember, this is for your own protection

my views are my own and are given in good faith to try and help people. Please seek professional advice on your case if necessary

 

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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