First National - Newbie and bit unsure

[egan3103]

Hi

 

Im a newbie to this forum and have had a look around the posts but cant find the answer.

I bought a TV from First National when i was 18 to pay £13.39 per month, agreement has been paid off now, 3 years later with the agreement being extended.

I incurred a small fortune of charges over the 3 years due to late payment, not being bothered to pay for that month, but always ended paying up and hefty charge on top, have callled them up today to request statements which theyve told me its free (Sounds too good to be true) But i read people mentioning their credit agreement?? Do i need to read this before i claim to see whats what?? or can i claim regardless of what it says?

Any help would be great

[Parkvale]

First national (GEmoney ) sent me copies of statements for three accounts i had with

them. As long as you have the account number at present to tell them. They will send you statements of your account, no problem. When you have your statements, they will show all your penalty charges and dates. I never relied on my agreement at all.

I was very lucky. This might make you chuckle.

http://www.consumeractiongroup.co.uk/forum/other-institutions/62561-parkvale-g-e-money.html

[egan3103]

Thanx for that, had a read of your thread and well done, got the ball rolling by sending my letter off requesting the statements.

Be shocked to see how much they have bled me dry, but will bide my time.

[Parkvale]

egan3103,

Good luck and keep us posted:)

[bluenose1966]

What number did you call to get your statements ?

[Parkvale]

bluenose1966,

GE Money (First National)

53-61 College road,

Harrow, Middx,

HA1 1FB.

Tel: 0870 6000 671 Fax: 0870 6095950

I wouldn't waste your time ringing. Send them an SAR.

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/516-1-data-protection-act.html

[bluenose1966]

bluenose1966,

GE Money (First National)

53-61 College road,

Harrow, Middx,

HA1 1FB.

Tel: 0870 6000 671 Fax: 0870 6095950

I wouldn't waste your time ringing. Send them an SAR.

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/516-1-data-protection-act.html

 

 

Cheers PV

[egan3103]

Well, just recieved a letter back from First National stating that whoever i spoke to on the phone about having my statements sent for free was wrong, and that there will be a £10 charge to have them made payable to GE MONEY (Wishful thinking on my part i suppose ) now i intend to send my £10 cheque off at the end of the week and wait for my statements.

[Parkvale]

egan3103,

Always better to communicate in writng .Then you can keep a record of events easily. Send all your correspodence to them recorded. That stops them denying they received you mail. This letter might help; http://www.consumeractiongroup.co.uk/forum/bank-templates-library/516-1-data-protection-act.html

[egan3103]

Fee and new request letter sent, just recently moved will a bank letter saying my new address and how much was in my account and paragraph saying ive moved be enough to sent the charge letter to my new address?

[TUTTSI]

Hi Egan

My hubby is also going after GE Money/First National, he is ready to do the MCOL, when he is in funds. Not a large claim but why should they have his money. He has sent the pre-lim letter and the letter before action. Good Luck with your claim.

DS

[Parkvale]

egan3103,

They should have no problems with that. Send it recorded delivery so they cannot deny receiving it. Keep us posted good luck.

[egan3103]

22nd March 07. Sent £10 DPA , a letter stating that im requesting my statements since the account opened, copy of passport to prove i was account holder and bank letter to prove new address.

Sent special deliv.

[egan3103]

28 Days since i requested my statements and sent off the DPA fee so i have sent the 2nd statement request letter saying they have 12 days to comply.

Would mind but they were quick in telling me i had to enclose my £10 fee but no statements??

[egan3103]

Have called them today saying that i have sent the 2nd statement reminder letter and still had nothing

They said there has been a baglog with the post room but he will get someone to deal with it as soon as poss.

Told him if he didnt get a move on, would be taking further action with First Nat.

Said he will send in 7 - 10 days, we will see and still gona stick to MY timescale

 

Have recorded everything that has been said between myself and them

[Parkvale]

You are doing everything right. Hang in there and victory will be yours. Good luck.

[egan3103]

Now had my statements back and they come to about £350 in charges!

 

Does this mean i have been charged???

Bit unsure of weather i calculate this??

Amount Balance

Direct Debit Payment 26/09/03 -£13.39 £568.48

Direct Debit Reversed 01/10/03 £13.39 £581.87

Returned Direct Debit Fee 01/10/03 £10.00 £591.87

 

 

Help would be really grateful

[Parkvale]

How have you worked out your charges ? Returned D/D fee is a penalty charge. The

D/D reversed also looks like a penalty charge. Why have they charged you for a D/D payment ? That needs questioning.

[egan3103]

Think im going to have to work it out by looking at the total balance and seeing if there is an increase or decrese in the balance.

Statement is a little confusing and cant see GE money being much help

Do i then create a spreadsheet and prilim letter?

[Parkvale]

They are really good at fudging the charges. Try writing to them to list all your charges. If they refuse it will look better than you estimating them if you have to issue court proceedings. Good luck.

[egan3103]

Sent off my prilim letter 2day asking for charges to £325.00. with the 8% at court stage it would result in £412.81

14 day countdown for them to reply

[egan3103]

Have waited for a reply and nothing from them!!

Do i now send off the letter before court action???

 

Help would be grateful!

[steven4064]

If they haven't replied within your reasonable timescale then send it in

 

Steven

 

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