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Cazzie vs GE Money (formerly First National)


Cazziebo
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See big story below posted elsewhere..

 

Sent off SAR on Saturday - awaiting results with interest.

 

]I took out a loan with Living Design Double Glazing more than 10 years ago. I worked out this year that I'd paid £12k for a £4k loan, and had never received a statement. For some reason it was split into two loans.

 

I moved house four years ago and wrote to everyone I had to - including the loan company which I think was First National Bank, but still never heard from them. I called them earlier this year to find out when loan would be paid, it came out then they still had me under old address, so gave the girl my new one, and I was told there were two payments and five payments left outstanding. this is when I found it out it was now GE money.

 

One payment stopped around July, which I never questioned. In December I'm still paying the other one. So called again today to find two payments left on one loan, and arrears on the other. The girl told me that they had never been notified of change of address, which is why I hadn't been told of arrears. The girl suggested that the reason I'm still paying is to cover bank charges incurred from missed direct debits. she then went into a long winded story about how if I had given them new address details then they would be on my file blah blah blah. Today is the third time they've had my new address! [/color]

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  • 3 weeks later...

Happy new year everyone!

 

Well had a call today from GE Money to say they don't recognise the account numbers in the SAR I sent. It was the GE Money call centre who gave me the account numbers as I have not had a statement or any communications from them for years! Anyway - upshot is that he is sending my SAR letter off to another part of GE Money.

 

Got a feeling this is going to be a really difficult one to keep tabs on. Surely GE Money is GE money and any internal issues they have with integration or communication should not be used to disadvantage customers? I'm presuming I can still hold them to the 40 days as per the SAR template?

 

I'm just about to have my nationwide account closed (due to successful bank charges claim:D ) so don't know whether to pay off outstanding debt or just wait and see what happens....

 

Cazzie

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  • 3 weeks later...

Got a huge pile of paperwork from GE Money today and spent the last hour trying to make sense of it. I called the customer service number (which I had to surf for, does not appear on the documentation.

 

However, what it does look like is that they have written off the remainder of the debt. Both accounts show balance as 0, with £350 minused from one, and 6.90 from the other.

 

I'll call them tomorrow. Hope it's not that they have sent them on to collection agencies!

 

So I'll hold off celebrating until I get confirmation....

 

Fingers crossed

 

Caz

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You should have been notified if any o/s debt was transferred - do they have the correct address for you?

If you think my advice has been helpful, please click on the scales to the left :) thank you!

 

Non illegitimi carborundum

 

 

I wish I was a glow worm,

A glow worm's never glum!

 

How can you be grumpy,

when the sun shines out yer bum?! :p

 

 

Amex * 2 *** WON *** Settled

Marbles ****WON*** In full settlement

Capital 1 ***WON*** In full settlement

MBNA ***WON**** In full settlement

Barclaycard ***WON*** In full settlement

Barclays Bank - ***WON*** In full settlement

Abbey ***WON*** In full settlement

Abbey (Mrs Chorlton) ***WON*** In full settlement

Abbey (Mr and Mrs C) - MCOL submitted 16/5/07

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Confirmed this morning that both accounts have been fully settled.

 

Good point, Chorlton. They still have me at the address I was at 4.5 years ago despite three notifications of changes! (the statements showed two addresses)

 

So counting that as a win, don't think the charges from the past 6 years would have come to that amount.

 

So subdued yippee, as I feel totally stupid being talked into taking out such a crap loan, paying interest at 22% all these years.

 

Older and wiser Cazzie!

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