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    • That's a bog standard dates only reference. You're over thinking it.   If that is the real company name and job title please edit to remove them.
    • Just asking for a bit of quick advice. I would think getting some money knocked off for buying a product that doesn't do what it says on the tin seems quite reasonable to me. I'm not bothered about only 4G but (asides from the reservations I have about the safety of 5G - and that's coming from someone who spent 5 years working in Microwave Engineering) I did see "5G Ready" on the page I bought it and though "Hmmm.. no harm in having a 5G enabled tablet". I thought this is what I was getting, and I only realised after contacting Apple to confirm the device was also 4G enabled that it wasn't actually 5G enabled. I'm sure a lot of folk who buy it there will think the same, and some might not be too happy to find out it isn't.   If you look further into the specs there is another page listing all three iPad devices they sell and the information there is correct, but on the face of it (if someone didn't investigate fully) it would appear that they are selling this item as a 5G enabled tablet.   I also don't really see why this thread was moved because it's entirely relevant to the sub-forum I posted it in, and it's a consumer issue. Whatever..
    • Firstly, thank you to all who took the time to reply, we have followed your advice and come to a settlement with my daughter's employers, however, there is one issue which I would like your thoughts on.    To follow is the proposed reference.    as a Booking Coordinator from 1 October 2018 until 27 September 2021. It is the Company’s policy to provide references which only set out an individual’s dates of employment. This information should not be taken to imply any comment (either positive or negative) about an individual or their suitability for future employment with a new employer. This reference is intended solely for the use of the addressee and should only be used for the purpose for which it was requested and generally treated in accordance with data protection principles.     This reference is given in good faith and to the best of my knowledge is true and accurate. However, neither I, nor the Company, accept any responsibility for any loss or damage caused to the addressee or any third party as a consequence of any reliance upon the matters set out in this letter.   To me the line above is a  polite character assassination by implying my daughter's future employer may suffer losses or damages. Your thoughts please. 
    • Thanks DX that looks perfect, here is what I have so far, I'm not sure about the first point which I have highlighted, while I did receive something from them it certainly did not fulfil all the requirements, do I need to give dates in point 5? if I do should the first date be the date I received the claim or the date I sent off the CPR & CCA requests?   Defence   The Defendant contends that the particulars of claim are vague and generic in nature. The Defendant accordingly sets out its case below and relies on CPR r 16.5 (3) in relation to any particular allegation to which a specific response has not been made.   1. The Claimant has not complied with paragraph 3 of the PAPDC (Pre Action Protocol) Failed to serve a letter of claim pre claim pursuant to PAPDC changes of the 1st October 2017.It is respectfully requested that the court take this into consideration pursuant to 7.1 PAPDC. 2.Paragraph 1 is noted. I have had in the past a contractual relationship with Sainsbury's Bank.The claimant has failed to state any agreement/account reference number within its particulars therefore I am unable to admit or deny the alleged debt claimed.   3.Paragraph 2 is noted but not admitted.The claimant has failed to state the actual agreement/account reference number.   4.Paragraph 3 is denied as I am unaware of any legal assignment.   5.On receipt of this claim on the ??/08/2021 I requested information pertaining to this claim by way of a CPR 31.14 request and CCA1974 Section 77 request. The claimant is yet to respond to this request. Mortimer Clarke is yet to respond in relation to the CPR 31.14 request. To date, 21/09/2021, no documentation has been received.The claimant remains in default of my section 77 request.   It is therefore denied with regards to the Defendant owing any monies to the Claimant, the Claimant has failed to provide any evidence of proof of assignment being sent/ agreement/ balance/ breach or termination requested by CPR 31.14, therefore the Claimant is put to strict proof to:   (a) show how the Defendant entered into an agreement; and   (b) show and evidence the nature of breach and service of a default notice pursuant to Section 87(1) CCA1974   (c) show how the Defendant has reached the amount claimed for; and   (d) show how the Claimant has the legal right, either under statute or equity to issue a claim;   7.As per Civil Procedure Rule 16.5(4), it is expected that the Claimant prove the allegation that the money is owed.   8.On the alternative, as the Claimant is an assignee of a debt, it is denied that the Claimant has the right to lay a claim due to contraventions of Section 136 of the Law of Property Act and Section 82A of the consumer credit Act 1974.   9.By reasons of the facts and matters set out above, it is denied that the Claimant is entitled to the relief claimed or any relief.
    • Up to you really.   If you waited to complain, they are unlikely to compensate you, as they will say the price reflects the model you paid for.   Even if you made them aware of the error, they may already know about it and won't respond.   Personally, I would just email their customer services and point to the error.
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Fumingmad v GE Capital


fumingmad
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I sent off my SAR to GE on 16th february. My cheque cleared on the 19th Feb and i can prove that they received my letter on the 19th. Strange that the cheque cleared the same day???

 

Well by my reckoning the 40 days expire on the 31st March. Still haven't heard a thing or received statements. I have 4 accounts with them. 3 have already been paid off for a while but my DP account has only just been paid off......well i received a statement from DP with the Payment received on the 19th Feb and the copy statement charge on the account on the 23rd February. it seems to be taking forever to get my statements, and their time is running out.

 

2 Questions really. 1 What do i do if i don't receive the statements. is it DPA office or Court? 2. Whichever route it is how long til i get my statements?

First Direct - LBA sent 12/03/07

GE Capital/GE Money SAR request sent 15/02/07 - 4 Accounts -Prelim sent 30/03/07

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Send them the DPA reminder letter from the templates library. It will need amending slightly. You can also report them to the ICO after 40 days, which should encourage them. It might also be worth phoning and telling them that they will be in breach of the DPA very shortly and that you will be reporting them and pursuing your request for data through the courts. They should get the statements to you fairly quickly then with luck.

Natwest - DPA sent / prelim sent http://www.consumeractiongroup.co.uk/forum/natwest-bank/75363-bump-crapwest.html#post656651

Barclaycard - DPA sent

MSDW - DPA sent

GE Capital - Prelim sent http://www.consumeractiongroup.co.uk/forum/store-cards/72853-mr-bump-frasercard.html#post629618

RBS bank - DPA sent

RBS card - DPA sent

Student Loans Co - pending

Egg - DPA pending http://www.consumeractiongroup.co.uk/forum/egg/79992-bump-humpty-dumpty.html#post707138

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Thanks Mr Bump

 

I received them this morning and even though they stated in the letter that they couldn't find a few i have found a whole years worth missing. Now they will be in breach on saturday so should i write to them and then report them?

First Direct - LBA sent 12/03/07

GE Capital/GE Money SAR request sent 15/02/07 - 4 Accounts -Prelim sent 30/03/07

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I would, yes. Another option is to assume that they have charged you on the months that statements are missing. If you report them they will take notice. Another CAGer received the following letter after reporting them:

 

Your complaint has highlighted the need for changes to our current processes and systems, which we have now implemented.

 

I understand that this will not resolve the issue of your missing statements for July 2003, April 2004 and October 2004 on your Debenhams Account and January 2004 on your Fraser Account. However, I can confirm that all arrears charges have been removed from your account balance.

 

Where statements are missing we have made an assumption that a fee was charged to ensure you that you do not lose out financially. I have therefore removed a further £18.00 for each missing statement to over compensate. A total refund of £270.00 will be sent to you under separate cover.

 

I also understand that you were sent a statement in the name of Mrs M Hilton. The data we hold on fiche is in alphabetical order and therefore statements for Mrs Hilton would follow your account information. I fully understand this should not have happened and hope you will accept our apologies. We have implemented a more rigorous checking procedure to avoid this happening again in the future.

 

I hope this letter addresses your complaint in more detail. If you have any further questions in relation to this matter, please do not hesitate to contact me.

 

Yours sincerely

 

Miss L Cole

Complaints Resolution Team

 

Keep up the pressure and they will sort their act out.

 

B.

Natwest - DPA sent / prelim sent http://www.consumeractiongroup.co.uk/forum/natwest-bank/75363-bump-crapwest.html#post656651

Barclaycard - DPA sent

MSDW - DPA sent

GE Capital - Prelim sent http://www.consumeractiongroup.co.uk/forum/store-cards/72853-mr-bump-frasercard.html#post629618

RBS bank - DPA sent

RBS card - DPA sent

Student Loans Co - pending

Egg - DPA pending http://www.consumeractiongroup.co.uk/forum/egg/79992-bump-humpty-dumpty.html#post707138

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Have a read through this: http://www.consumeractiongroup.co.uk/forum/store-cards/40553-suzy-h-ge-capital.html#post319551

 

Also, they don't actually issue statements when there is a balance of zero - might be worth calling them and seeing if this is the case with you. The telephone peeps are able to go back to 2004, I think.

Natwest - DPA sent / prelim sent http://www.consumeractiongroup.co.uk/forum/natwest-bank/75363-bump-crapwest.html#post656651

Barclaycard - DPA sent

MSDW - DPA sent

GE Capital - Prelim sent http://www.consumeractiongroup.co.uk/forum/store-cards/72853-mr-bump-frasercard.html#post629618

RBS bank - DPA sent

RBS card - DPA sent

Student Loans Co - pending

Egg - DPA pending http://www.consumeractiongroup.co.uk/forum/egg/79992-bump-humpty-dumpty.html#post707138

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Thanks Mr Bump.

 

Ive just been through my account statements and using the spreadsheet it comes out with £486.00 in penalties but a whopping £580.92 in interest when using 29.9%. this doesn't seem right to me. Would this seem correct?

First Direct - LBA sent 12/03/07

GE Capital/GE Money SAR request sent 15/02/07 - 4 Accounts -Prelim sent 30/03/07

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That's perfectly plausible if the charges go back a few years - the interest is compound and accumalates rapidly.:) Why 29.9%?

Natwest - DPA sent / prelim sent http://www.consumeractiongroup.co.uk/forum/natwest-bank/75363-bump-crapwest.html#post656651

Barclaycard - DPA sent

MSDW - DPA sent

GE Capital - Prelim sent http://www.consumeractiongroup.co.uk/forum/store-cards/72853-mr-bump-frasercard.html#post629618

RBS bank - DPA sent

RBS card - DPA sent

Student Loans Co - pending

Egg - DPA pending http://www.consumeractiongroup.co.uk/forum/egg/79992-bump-humpty-dumpty.html#post707138

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because that's the APR they have charged me.

First Direct - LBA sent 12/03/07

GE Capital/GE Money SAR request sent 15/02/07 - 4 Accounts -Prelim sent 30/03/07

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are you sure? I have 29.3% in my T&C ... surely if it's the same card it should be the same rate? Where did you get that figure?

Natwest - DPA sent / prelim sent http://www.consumeractiongroup.co.uk/forum/natwest-bank/75363-bump-crapwest.html#post656651

Barclaycard - DPA sent

MSDW - DPA sent

GE Capital - Prelim sent http://www.consumeractiongroup.co.uk/forum/store-cards/72853-mr-bump-frasercard.html#post629618

RBS bank - DPA sent

RBS card - DPA sent

Student Loans Co - pending

Egg - DPA pending http://www.consumeractiongroup.co.uk/forum/egg/79992-bump-humpty-dumpty.html#post707138

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On the other threads people have been charged 29.9% and i do remember that the APR was that some years ago. Obviously if they can prove what the rate is then i'll amend accordingly but a simple calculation from the iinterest on the statements does tend to suggest a APR of that region.

First Direct - LBA sent 12/03/07

GE Capital/GE Money SAR request sent 15/02/07 - 4 Accounts -Prelim sent 30/03/07

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Well, there's not much in it, it's unlikely to ever get to the point where you'll need to prove it, and they seem to have paid out at 29.9% before. Having said that I would have thought the burden of proving the rate to be correct would be with the claimant if it did reach court. It would be a shame to have it dismissed for such a small figure! I have my T&C from when I signed up and these state 29.3%, and when I try and calculate the rate from what they've charged it comes out at around 24%, strangely. I wonder if my sums are right. I'm calculating what percentage of the balance the interest constitutes and multiplying it by 12. Is that what you've done?

Natwest - DPA sent / prelim sent http://www.consumeractiongroup.co.uk/forum/natwest-bank/75363-bump-crapwest.html#post656651

Barclaycard - DPA sent

MSDW - DPA sent

GE Capital - Prelim sent http://www.consumeractiongroup.co.uk/forum/store-cards/72853-mr-bump-frasercard.html#post629618

RBS bank - DPA sent

RBS card - DPA sent

Student Loans Co - pending

Egg - DPA pending http://www.consumeractiongroup.co.uk/forum/egg/79992-bump-humpty-dumpty.html#post707138

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I have taken the balance and * 29.9% then divided by 365 and multiplied by number of days in month.

 

Ie: £500.00 x 29.9% = £149.50 / 365 = 0.41 x 31 (or 30) £12.70

 

£12.70 interest for the month.

 

Does that make sense?

First Direct - LBA sent 12/03/07

GE Capital/GE Money SAR request sent 15/02/07 - 4 Accounts -Prelim sent 30/03/07

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It makes sense in terms of finding out interest at 29.9% - what I was trying to do though was work it out the other way round, i.e. take the interest charged and the balance and work out the APR from that ... it always seems less than 29.9%, but maths was never my strong point! I suspect that this level of accuracy is unnecessary anyway - I've already asked for 29.3% but you may as well go for the higher amount - they're not going to quibble, I reckon.

Natwest - DPA sent / prelim sent http://www.consumeractiongroup.co.uk/forum/natwest-bank/75363-bump-crapwest.html#post656651

Barclaycard - DPA sent

MSDW - DPA sent

GE Capital - Prelim sent http://www.consumeractiongroup.co.uk/forum/store-cards/72853-mr-bump-frasercard.html#post629618

RBS bank - DPA sent

RBS card - DPA sent

Student Loans Co - pending

Egg - DPA pending http://www.consumeractiongroup.co.uk/forum/egg/79992-bump-humpty-dumpty.html#post707138

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This may be a silly question, i am just glancing through the site so i know it will be covered somewhere.

But are you claiming for the £15.00 late payment charges. i did not think they would repay these as they are close to the OFT £12.00 recomendation.

 

I had loads of these in the last 6 years simply because my balance is always around £20.00 but i forget to pay min payment.

Thanks lillboy

 

 

 

Bogus Charges £499.00 LBA 1/06/06

Refund of £299.00 now sent Data Protection Act:)

 

GE Capital NEXT

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Yes those are the ones. The OFT recommendation has no legal bearing and the fact that they suggest £12 does not mean that figure - or indeed any figure - is a fair charge. Me and Fumingmad are claiming these back and charging interest at the FraserCard rate. You should do the same!

Natwest - DPA sent / prelim sent http://www.consumeractiongroup.co.uk/forum/natwest-bank/75363-bump-crapwest.html#post656651

Barclaycard - DPA sent

MSDW - DPA sent

GE Capital - Prelim sent http://www.consumeractiongroup.co.uk/forum/store-cards/72853-mr-bump-frasercard.html#post629618

RBS bank - DPA sent

RBS card - DPA sent

Student Loans Co - pending

Egg - DPA pending http://www.consumeractiongroup.co.uk/forum/egg/79992-bump-humpty-dumpty.html#post707138

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  • 3 weeks later...

received letter from GE offering to pay back all charges but they will not entertain any interest on these charges. Should i go after the interest as it is my money they have had all these years and i should be entitled to the interest shouldn't i?

First Direct - LBA sent 12/03/07

GE Capital/GE Money SAR request sent 15/02/07 - 4 Accounts -Prelim sent 30/03/07

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I'd say that as long as you asked for the interest from the start then go for it. They won't want to go to court so you will almost certainly get at least 8%. I would proceed and give the judge the option of awarding the unauthorised rate, the authorised rate or the statuatory court rate - unless you need the money any time soon that is!

Natwest - DPA sent / prelim sent http://www.consumeractiongroup.co.uk/forum/natwest-bank/75363-bump-crapwest.html#post656651

Barclaycard - DPA sent

MSDW - DPA sent

GE Capital - Prelim sent http://www.consumeractiongroup.co.uk/forum/store-cards/72853-mr-bump-frasercard.html#post629618

RBS bank - DPA sent

RBS card - DPA sent

Student Loans Co - pending

Egg - DPA pending http://www.consumeractiongroup.co.uk/forum/egg/79992-bump-humpty-dumpty.html#post707138

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