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    • If you are buying a used car – you need to read this survival guide.
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    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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lynsey v ge capital


lyns
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  • 2 weeks later...

Got my statements today for a new look account and dorothy perkins, and guess what? There were some missing!! Looks like i will have to send another letter to them now. Is this common with GE capital?

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It is indeed common for them to omit statements when they send them out to you! I am missing some too!

Barclays

Settled in full 13/09/06 after LBA (£115.00):D

 

Nationwide

LBA sent 13/09/06 - Response 04/10/06.

Moneyclaim submitted 04/10/06.

Won (settled in full) 19/10/06. (£748.00):D

 

Halifax

S.A.R sent 05/10/06.

Prelim sent 14/11/06.

LBA sent 28/11/06.

Offer rejection sent 30/11/06.

 

GE Capital

S.A.R sent 25/10/06 on behalf of sister.

Incomplete statements sent.

 

Barclaycard

Prelim letter sent 30/11/06

Barclaycard agree to pay difference between charges and 12 pound OFT charge suggestion. Accepted £64.00 06/12/06.

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i have been missing some statements too, however i have ignored the fact as i think i will get a better deal on their failure to comply with the DPA than 6 months missing costs which will be very little. instead im at the LBA stage and each letter i send to them costs them £15 in charges, as thats what it cost them to send me a letter!

 

I am also going for compensation under section 13 data protection act for distress caused by GE capital banks ineptitude at processing my data correctly, if they do not reply to the LBA. By the way, they do not respond to pre-lims! A simple debt of 116.19 is now 149.19 and failure to comply with the LBA will see me in court wanting a lot more under distress! cheeky ppl that they are!

Thanks

 

 

 

23/11/06 HSBC **SETTLED**

30/12/06 - GE Capital - **SETTLED**

30/12/06 - MBNA - charges and interest **SETTLED**

 

30/12/06 - Welcome Finance - Prelim sent for mis-sold PPI

 

 

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  • 2 weeks later...

if they are still within their 40 day limit then send the letter from the bank templates setting them a date in which they have to comply otherwise they have failed under the act. if their 40 days are now up send a non-complaince letter, and consider taking further action i.e. trading standards, information commissioner.

 

I sent my prelim off and they didnt take any notice, i sent my LBA off reminding them that when i go to court i will be informing the judge that they failed under the DPA and consider compensation under s13. Hopefully it wont get that far, but should get them thinking.

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/

 

hope your action goes well.

 

Adi

Thanks

 

 

 

23/11/06 HSBC **SETTLED**

30/12/06 - GE Capital - **SETTLED**

30/12/06 - MBNA - charges and interest **SETTLED**

 

30/12/06 - Welcome Finance - Prelim sent for mis-sold PPI

 

 

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  • 4 weeks later...
  • 2 weeks later...

Still not had any of my missing statements so i think i will have to estimate! I also need some help when i type up the schedule of charges can i claim interest of 29.9% on the charge amount or can i not claim any interest until court stage?

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Got another letter saying that basically they do not need to keep records longer than 5 years but most of the missing statements are within the last 5 years so what has this got to do with it?!?! They also say that they only have to provide info that they hold? So are they saying that they never produced all these missing statements as i am sure as hell they wouldnt forget to send them to me when they want my money! They also go on about anti money laundering? Has anyone else had this stupid letter??

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Hi Lyns,

I am afraid I personally have not had this sort of letter, but I am sure if you read some of the threads you will come accross this. My advice would be to read up on SAR in the liabrary and I know that there are many threads out there which could help you and then write the appropriate letter. What they are saying I am sure is not correct, don'y let them intimidate you.

DS

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We had only one statement missing so we estimated what the charges could/might have been and GE Money paid up. If you have statement missing, make a sensible estimate (from statements either side of the missing ones) and claim that. Who are they to argue if they can't find youre statements?

 

 

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Good idea i will have a look at my statements tommorow and work out how much extra to add on. I had a letter from the information commisioners office today regarding my complaint about ge capital! They are looking into it for me and will get back to me asap.

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  • 2 weeks later...
  • 2 weeks later...

Hi lins,

I'm currently waiting to hear back from GE regards my prelim letter but if i were you i would look at how much they are offering you without the interest and think is that enough? Would you be happy with that amount or are you prepared to go throgh the coutrs to get the extra? Is it that much more?

Its your decision not theirs!

Goodluck whatever you decide!

 

Eve x

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