Debbie v GE money and London Mort Co.

[mrsfoot]

hi Debbie

 

We dont recommend using a consultant or company as this can prove costly, up to 75% of the money you claim back!!

 

It is a really easy process, so please dont worry, we are here to help and support you.

 

First of all use this rule of thumb to decide which charge can be reclaimed:

 

"if it has been added to your account because you have breached a term in your contract, e.g missed a payment, then it can be reclaimed"

 

Ok so now the next steps:

1. Buy a nice bottle wine

2. Clear the dining table and your evening duties

3. Open the wine and have a glass.

4. Put your transaction history (what shows payments / charges etc) into date order.

5. Use a hilighter (pink works for me!) and hilight each charge using the rule of thumb above.

6. Place all hilighted pages to your left, non hilighted to your right and raise your glass you mouth for a slug!

7. Using the hilighted pages enter the information into a spreadsheet. Find the spreadsheet using this link. Add the date, what they have called the charge and the amount in the relevent columns.

http://www.consumeractiongroup.co.uk/forum/welcome-our-forum/69359-cant-find-what-youre.html

8. Have a well deserved glass of wine and print out the spreadsheet. Make sure you save it to your pc too!!

9. Write your prelim letter (see link above for the template) and send this with your spreadhseet via recorded delivery to GE Money

10. Finish the bottle and sleep!

 

Hope this helps, ill monitor this thread and try to answer any other queries you have.

Oh and write to GE and tell them they have missed out the copy of the contract...tell them how many days they have left of the original 40 alowed by DPA SAR and you will enforce legal action if this is not sent to you before the end date.

 

Mrsfoot

[mrsfoot]

Hi Debbie

 

You send the prelim letter first. This can be found folowing the link i gave you on my first post.

This will ask nicely for the charges back and state what reasons you are suing to reclaim them. Make sure after you have completed the spreadsheet that you read all you can on the unfair terms in consumer contract regs and understand wht it applies to your case. Also read the OFT report, also found in the link and see how that applies to. It is really important that you understand why you are doing this.

Good luck with the wine lol