First National Bank / GE Money

[clareyluxo]

Hi, any help would be gratefully received....!

 

My husband took out a First Naitonal Home Improvement Account through EYG Windows back in 2004 - which is not paid up yet.

 

We consider the PPI to be missold and wrote to GE Money with the letter, spreadsheet and FOS questionnaire.

They wrote back to say that we need to contact EYG Window Centres to ask them to investigate the complaint as the PPI was not sold by GE Money.

 

We therefore wrote to EYG who responded in writing saying that they have no information on EYG Domestic formed 1st June 2007 - the original paperwork we have is for EYG Heatseal.

 

Do we need to go back to GE as the applicaiton form is under First National Bank or do we need to go back to EYG stating that it relates to EYG Heatseal.

 

My feelings are that we need to press GE Money as surely the policies were sold on guidelines from First National Bank despite being handled by EYG?

 

Thanks in anticipation for any advice.....

[ims21]

You have the agreement...I assume it is a regulated agreement?

 

What were the reasons for the mis-sale?

 

Are EYG heatseal still going?

[dx100uk]

typical response from GE money

 

dx

[clareyluxo]

Yes have a copy of the agreeement and it is headed up Credit Agreement regulated by the Consumer Credit Act 1974.

 

My husband was employed in the Army at the time the loan was taken but was about to retire on a full military pension after 22 years service.

 

I'm not sure whether Heatseal are still going but EYG's website says Home of EYG, Jon Windows and Heatseal

 

Many thanks, Clare

[dx100uk]

the get GE money under section 56 of the CCA.

 

Consumer Credit Act Section 56. refers...

— (1) In this Act “antecedent negotiations ” means any negotiations with the debtor or hirer—

(a) conducted by the creditor or owner in relation to the making of any regulated agreement, or

(b) conducted by a credit-broker in relation to goods sold or proposed to be sold by the credit-broker to the creditor before forming the subject-matter of a debtor-creditor-supplier agreement within section 12(a), or

© conducted by the supplier in relation to a transaction financed or proposed to be financed by a debtor-creditor-supplier agreement and “negotiator ” means the person by whom negotiations are so conducted with the debtor or hirer.

[clareyluxo]

Thanks for this - I'll send GE another letter to that effect.

Much appreciated.

[dx100uk]

might not work but the more times

we use this against GE money

 

the better it becomes with complaints to the regulators.

 

dx