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    • By the way, is there a telephone number for the mystery handset? Have you tried calling it?
    • Who made the complaint to the ICO? Did we recommend it? An uncharitable side of me wonders whether they aren't considering erasing all data in order to get rid of evidence of their bungling. Have you checked your credit file? I think you need to make sure the get copies of everything you can from anywhere just in case various records get cleaned up. I think should set about that straightaway although it's a nuisance. Keep a note of the time you spend doing it. Are you sure that the problems with Vodafone and also with Three were caused by your blighted credit file – blighted by virgin? Can we take it that your credit file before this was clear? I think it could be an idea to send an SAR to Vodafone and also to Three to see if they have any reference to the problem setting up your account with them and that those problems might have been caused by virgin. Your credit file also might show searches by Vodafone and also by Three. If there's anything else you can think of – then try to get the information.  
    • No they are not entitled to see payslips. Only if this ever went to Court and it was part of the Court process would this be required. So the information you provide needs to be accurate, in the remote possibility that your information is passed to a DCA who uses it in Court in the future.   Just enter all information onto your income/expenses sheet in Pounds Sterling.        
    • Hi, I am drafting the pro-rata letters and putting a income expenditure sheet together. One question, as I am overseas the expenditure currency is different to the debts. Are they entitled to see pay slips (also in anther currency which isnt indicated on the slips)?
    • I am investigating him still, but have this information so far: Junaid Sajad  Home address - 101 Vibart Road B26 2AB  or  165 Kelynmead Road B33 8LF - this last one was an address that he gave last night when I got a friend to pretend to want to view a car. He’s certainly a slippery devil!
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    • I sent in the bailiffs to the BBC. They collected £350. It made me smile.
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    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
      So I issued the claim on day 15 and they requested more time to respond.
      They took until the last day to respond and denied the claim, unsurprisingly saying my contract was with Packlink and not with them.
       
      I opted for mediation, and it played out very similarly to other people's experiences.
       
      In the first call I outlined my case, and I referred to the Contracts (Rights of Third Parties) Act 1999 as the reason to why I do in fact have a contract with them. 
       
      In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
       
      In the third call the mediator said that they would offer the full amount. However, he said that Hermes still thought that I should have taken the case against Packlink instead, and that they would try to recover the court costs themselves from Packlink.
       
      To be fair to them, if Packlink wasn't based in Spain I would've made the claim against them instead. But since they are overseas and the law lets me take action against Hermes directly, it's the best way of trying to recover the money.
       
      So this is a great win. Thank you so much for your help and all of the resources available on this site. It has helped me so much especially as someone who does not know anything about making money claims.
       
      Many thanks, stay safe and have a good Christmas!
       
       
        • Thanks
    • Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003
      • 1 reply
    • Natwest Bank Transfer Fraud Call HMRC Please help. https://www.consumeractiongroup.co.uk/topic/428951-natwest-bank-transfer-fraud-call-hmrc-please-help/&do=findComment&comment=5079786
      • 33 replies

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Sent DPA Letter and received full list of charges and transactions going back 5 years. Also in their letter was a sentence " There has been no manual intervention on this account."

 

I have a couple of queries regarding transaction entries and have written asking for clarification.

 

Reclaiming about £150 - will post details of progress

Royal Bank of Scotland - Settled - Full Amount

GE Money - Settled - Full Amount

Tesco Personal Finance - Settled - Full Amount + Interest + Court Costs

Clydesdale Bank - Settled - Full Amount + Interest + Court Costs

Clydesdale Bank - Pre June 2005 Charges - Settled - Full Amount

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Wow, are they finally learning? To my recollection, you're the first to get your info without any trouble!

 

I will definitely be watching with interest (29.9 % APR, lol) to see how you get in with getting charges back!

 

.

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Hi SR7133,

 

Keep on them there aren't many posts on here re' GE Money. I have started a thread on my progress.

 

Keep us posted. I will watch with interest (only 6.9% typical, oh its you 45% then LOL)

 

 

regards

 

 

Paul

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Received a very prompt reply explaining a couple of transactions which were a bit unclear - sent letter requesting repayment of charges so will wait and see if they continue with their positive approach.

 

Claiming back £138 - not a lot but better in my pocket

Royal Bank of Scotland - Settled - Full Amount

GE Money - Settled - Full Amount

Tesco Personal Finance - Settled - Full Amount + Interest + Court Costs

Clydesdale Bank - Settled - Full Amount + Interest + Court Costs

Clydesdale Bank - Pre June 2005 Charges - Settled - Full Amount

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Blimey riley - can't believe you got a response to the DPA - I'm just about to send off an LBA because they haven't complied with the DPA.

 

Perhaps the worm is turning at GE after all ....

... a little

Mahala is a powerful thing ...

 

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All advice is offered informally. If in any doubt, seek professional advice.

Barclays:claiming £908. Defence filed

Simply Be: settled in full

Abbey: Claim issued for DPA compliance order

GE Capital: Claim issued for DPA compliance order

Aktiv Kapital: Failed to comply with CCA disclosure. Debt unenforceable.

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The person I dealt with was:

 

Sarah Wainwright

Data Protection Administrator

GE Money

PO Box 700

Leeds

LS99 2BD

 

who has been very helpful.

Royal Bank of Scotland - Settled - Full Amount

GE Money - Settled - Full Amount

Tesco Personal Finance - Settled - Full Amount + Interest + Court Costs

Clydesdale Bank - Settled - Full Amount + Interest + Court Costs

Clydesdale Bank - Pre June 2005 Charges - Settled - Full Amount

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lol isnt she just? Just added her name to my LBA

... a little

Mahala is a powerful thing ...

 

If you like my advice, please click the scales.

All advice is offered informally. If in any doubt, seek professional advice.

Barclays:claiming £908. Defence filed

Simply Be: settled in full

Abbey: Claim issued for DPA compliance order

GE Capital: Claim issued for DPA compliance order

Aktiv Kapital: Failed to comply with CCA disclosure. Debt unenforceable.

If this site has helped you, please make a donation to help keep it going.

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We were getting along so well but Sarah Wainwright has responded to my letter requesting the return of charges with the usual " GE Money do not agree with your suggestion that we are not entitled to charge these fees etc. etc." so NO

 

They are considering the OFT's findings "However our approach to default fees may change in response to further regulatory and/or industry developments over the coming months"

 

Letter before Action on its way.

Royal Bank of Scotland - Settled - Full Amount

GE Money - Settled - Full Amount

Tesco Personal Finance - Settled - Full Amount + Interest + Court Costs

Clydesdale Bank - Settled - Full Amount + Interest + Court Costs

Clydesdale Bank - Pre June 2005 Charges - Settled - Full Amount

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She's not even responded to my LBA

... a little

Mahala is a powerful thing ...

 

If you like my advice, please click the scales.

All advice is offered informally. If in any doubt, seek professional advice.

Barclays:claiming £908. Defence filed

Simply Be: settled in full

Abbey: Claim issued for DPA compliance order

GE Capital: Claim issued for DPA compliance order

Aktiv Kapital: Failed to comply with CCA disclosure. Debt unenforceable.

If this site has helped you, please make a donation to help keep it going.

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She lied to me about the statute of limitations, says it's 5 years not 6!

BOS - Prelim letter del 19/5/06 LBA del. no response - filed 12/06

Clydesdale Financial Services - Gave them their chances off to court we go!

HSBC - Watch out I'm coming after you next!

 

If you like anything I say click the scales!

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  • 2 weeks later...

Received a letter today from GE Money agreeing to refund the full amount of £138 as a goodwill gesture.

 

Overall, that was remarkably painless!

 

Survey completed.

Royal Bank of Scotland - Settled - Full Amount

GE Money - Settled - Full Amount

Tesco Personal Finance - Settled - Full Amount + Interest + Court Costs

Clydesdale Bank - Settled - Full Amount + Interest + Court Costs

Clydesdale Bank - Pre June 2005 Charges - Settled - Full Amount

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  • 4 months later...

Hi,

 

can I ask if you were/are still with GE Money at the time of the claim.......little worried as to their attitude as we are still with them.

 

12 months left on ERC......£7000 (OUCH) , INTERESTINGLY, this has stayed at £7000 for the first 3 years, then £1000.00 in year 4??

 

my thread...http://www.consumeractiongroup.co.uk/forum/mortgage-companies/43349-ge-money-adding-charges.html

 

SHERLOCK

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  • 2 weeks later...

cant find out how to start a thread on here. So will ask here good to hear you got your money can you tell me my husband has a car loan with Ge money nearly finished now but got about £600 of charges on there.Can I claim do you think ?

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Sherlock

 

No I was no longer with them whem I made the claim

 

Best of luck

Royal Bank of Scotland - Settled - Full Amount

GE Money - Settled - Full Amount

Tesco Personal Finance - Settled - Full Amount + Interest + Court Costs

Clydesdale Bank - Settled - Full Amount + Interest + Court Costs

Clydesdale Bank - Pre June 2005 Charges - Settled - Full Amount

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  • 6 months later...

Hi there, I sent an S.A.R - (Subject Access Request) to GE Money some time ago for two store card accounts, I recently had to send them a letter of non-compliance as they never sent my statements. Anyway today I received a letter from Mark Metcalfe of GE Money offering a full refund of the charges applied to the two accounts, and that I will receive this amount shortly.

Firstly, I have never received my statements or even a schedule of the charges, so how do I know if the amounts are correct. And secondly I had these cards some time ago and have since closed the accounts and cut up the cards as any owing amounts were paid off, so I don't know whether they're going to send me a cheque or refund onto these old accounts. So what I want to know is has anyone got a direct number I could phone, as there isn't a telephone number on the letter they sent me, even though Mr Metcalfe told me in the letter to ring if I have any queries!!!

 

Thanks x

PS, Can I add interest?

POPPY07

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Hi Poppy - I have replied on your thread in "Store Cards"

 

Steven

 

If this post is helpful, please click the scales

Any opinions are without prejudice & without liability.

Almost everything I know concerning the law I learned from this site

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Steven

 

Using CAG Toolbar will generate much needed income - Download Here

 

Confused by Simple Interest? Confounded by Compound Interest? Read my Interest Tutorial

My Wins

 GE Money Won unconditionally May 2007

NatWest Won unconditionally August 2007

Brighthouse Won unconditionally August 2007

Goldfish Won unconditionally April 2008 (including CI on the basis of Sempra)

Clydesdale Financial Services (now BPF) Won unconditionally February 2008

 

Any opinions are without prejudice & without liability. Do not take any legal action on my advice alone. Almost everything I know concerning the law I learned from this site.

 

Please note, I will not give advice by PM. Please send a link to your thread and I will do my best to answer there.

 

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