Thereshope! v G.E. Money x 6 Accounts

[thereshope!]

Hi all

 

I have 6 G.E storecards with a total outstanding balance of about £1400.

 

2 of the accounts have now been assigned to C.L Finance.

 

I take it I send CCA letter first (does the £1 fee cover all six accounts or do I need to send £1 for each account ?)

 

Do I send CCA request to both GE and CL ?

 

Do I then wait and see if they comply, or do I get on with the SAR and send that at the same time ?

 

Any help or advice would be really appreciated as I havent claimed back for a storecard yet so not really 100% certain with the way to go !

 

Many thanks in advance

 

Hope xx

[thereshope!]

Bump Please !

[thereshope!]

Help please !

 

I am about to send CCA letter and payment and need to know if a DCA has taken over multiple accounts of yours ,in my case 2 storecards , do I send £1 to cover both accounts ,or £1 per account ?

 

I know that a SAR covers all the personal data that is held by a company, just not sure if this applies to CCA ?

 

Thanks

 

Hope xx

[davydee]

I sent my £10 fee to the 1 bank for 2 different accounts and it worked fine.

I would try it for all 6 as they are all GE Money.

 

Good luck.

[sammyb]

hey there

seems we have alot in common, ive got 5 accounts with g e and have sent off my sar yesterday. sammyb

[thereshope!]

Hi all

 

I have received my currys account statements and was suprised to see that I had been paying ppi.

 

I never realised that I had been paying it as the purchase was for a washing machine that I purchased on int free credit, so never received a monthly statement.

 

I phoned GE on thursday to chase up my CCA request for credit agreements and I am soooooo angry !

 

Currys have stiched me big time !

 

They put crosses next to all the boxes they wanted me to sign and stupid bloody me, it looks like I didnt check every box carefully enough as they had put a x next to the PPI box and I signed it.

 

I never sign for PPI as its such a complete waste of money and i'm so angry that I didnt read the agreement properly and then double and triple check, like i normally do.

 

The ppi adds up to a fair amount and I was wondering if I would be able to get it refunded on the basis that the shop assistant had crossed all the boxes they wanted me to sign in ?

 

It is also a computer generated x in the box so you can see that I didnt cross it myself in the store.

 

Any advice would be appreciated

 

Hope xx

[thereshope!]

bump please:)

[thereshope!]

Very lonely here in my GE thread......

 

Does anyone know where i stand with PPI ?

 

PLEASE !!!

[sammyb]

wish i could help you Hope but ive no idea:? im sure someone will come to your rescue soon. xx

[thereshope!]

Wish they would sammy !

 

The bank account/credit card threads appear to have a lot more 'traffic' through them and it just seems in the storecard threads that people dont post as much ?

 

I wonder if any mods/site helpers know where I should look for answers ?

 

Hope xx

[reidnet]

Hi,

If the agreement that was passed to you for signature already had a box with a computer generated X in it you can have a go at them with the arguement that you did not tick the box and as they presented the agreement with the X already in the box that this actually restricted your choice of agreeing to PPI.

 

I also believe that the FSA are looking into how these agreements are being provided to customers. As far as am aware they are planning to make the presentation of an agreement with the PPI already crossed or ticked to be a no no , as this in their view restricts the consumers freedom of choice.

 

Hope this makes sense, lol Had a long hard weekend and it is late.., If you have any probs or queries either ask here or PM me and I will try and help out.

 

Good Luck

 

Ian

[thereshope!]

Thanks for the reply reidnet.

Gizmo moved this thread over from the storecards forum a little earlier as I wasnt getting much response over there !!!

 

Thanks Giz.

 

I cant remember if the box had the compuer generated x in already, or if this had been added by ge at a later date.

 

I've got the agreement in front of me and the sales assistant has put a x at the side of each place that she wanted me to sign, including the ppi box, so I just merrily signed away in each space doh !

 

I have clearly not x the ppi box as you can tell even on the photo copy of the agreement that the ink is a lot darker and it is too perfect to have been done by hand.

 

But my worry is that I did sign at the side of the ppi box which was agreeing to ppi....

 

will i still be able to get this refunded as the underhand sneakyness of the assistant was the reason I signed ?

 

hope xx

[reidnet]

Have a look at this, You may find some answers in here..lol Since the FSA fined GE Capital Bank (GE Money) £610,000.00 for mis selling Insurance including PPI..

 

FSA fines GE Capital Bank

 

Hope that helps..

 

Good Luck

 

Ian

[sammyb]

hi hope

hope your doing okay:)

[buggerlugs1]

I think we could do with a seperate thread specifically devoted to PPI mis-sold by GE. So many members seem to have had problems with them!

 

In my case they tricked me into getting PPI on a loan I was taking out, the salesman used the old, 'We wont be able to give a loan at a good APR if you don't take out our PPI trick.'. Its early days for me yet, I'm going to fire off an SAR letter, once I've had a written settlement figure off them.

 

Good luck with your cases, thereshope! and sammyb.

 

Regards,

Buggerlugs

 

Pre CAG:

Intelligent Finance - Judgement in default, settled in full 13/09/06 (£690.17)

Cooperative Bank - Full out of court settlement 12/12/06 (£2426.50)

Settled after first LBA - now that's what I call cooperative!

Since joining CAG:

BarclayCard - County Court Hearing 16/03/06

No news yet!

[kippy2]

the salesman used the old, 'We wont be able to give a loan at a good APR if you don't take out our PPI trick.'.

 

 

what a load of bull! not allowed to do that! no wonder they have been heavily fined!

 

go and get it back!

 

they tried to sell me ppi today in comet! (ge money again!!) guess what i said "no bloody way" bye bye! lol....he wasnt a happy bunny i tell you!

[thereshope!]

Ok.Quick update.

 

G.e are starting to annoy me now.

 

I today recieved a wad of statements for my accounts,and on the covering letter it states Account no blah blah,then "please note due to problems with our retrieval system, we are unable to provide statements from Oct and Dec 04.

 

It does this for each of the 6 accounts, stating various dates that it cant provide information for.

 

One of the accounts is almost laughable as they cant provide statements prior Oct 2001 and from Nov 2001,Nov 2002,March Aug,Nov 2003,Feb,Apr,Sept,Dec 2004 and Jan 2005 !

 

Are they taking the mickey ?

 

It just so happens that 95% of the dates that they cant provide info for is when I was having money troubles and was most likely the times that I made late payments.

 

What do I do now ?

 

They have also sent me what are meant to be credit agreements ,but some of them look like application forms and TBH I dont know what the credit agreement should actually look like.

 

I was also expecting something that showed when 2 of the accounts were assigned to CL Finance, but there is no mention of it anywhere.

 

Blimey, not sure what to do now.

CL Finance have ignored my CCA request and are due to breach the 12+30 day deadline aswell.

 

I'm pig sick of these parasites

 

Please ,if anyone can help me I would really appreciate it.

 

Thanks

Hope x

[thereshope!]

Bump Please:)

[reidnet]

If they have not supplied all the required information Hit The B%%^^&S with a failure to Comply under the Data Protection Act notice, Dont take their excuses they are playing games again.

 

I would also submit a complaint to the ICO that will let them know that you are not going to take any crap from them.

 

Good Luck

 

Ian

[thereshope!]

Hi reidnet:)

Are you saying I should issue N1 for non compliance ?

 

Just done this with both MBNA and 1st Credit for non compliance !

 

The court clerk already chuckles when I walk in the general office- going to be on first name terms soon !

 

GE have another few days until they commit an offence.Might aswell print off the N1 now.....

 

Hope xx

[reidnet]

Yeah M8, GO For It..lol That is the only way they will listen to you anyway, Just ask yourself if the shoe was on the other foot and they were chasing you for Money , Would they accept your excuses..Would they Hell. so whay should you accept their Incompitence, It just shows what sort of outfit they really are.

[thereshope!]

on with it now !

 

Hope xx

[reidnet]

Good Luck, and if you need any help or ammunition just ask..lol

 

Ian

[half ax I]

thereshope

 

It seems a common theme for GE not to have some data. My guess is they had some sort of computer glitch in the past and lost a load of stuff. That might then suggest that they have actually complied with the SAR as they have supplied the data that they have got on you and told you that they cannot (not will not) supply data for certain periods.

 

S

[thereshope!]

MMMM !

 

Looks like they have a problem then if they cant supply the data.

 

Maybe i'm cynical:D but I have a feeling that they really dont want to provide the data as it will show my penalty charges.

 

I might have no option left but to estimate charges....

 

Hope xx