Pookeymonkey v GE Money *Help needed please*

[pookeymonkey]

Hi all:)

 

I am in the process of trying to claim my charges off Ge Money and they received my S.A.R - (Subject Access Request) 3/7/2007 which gives them until 22/8/2007 to comply with my request. The SAR was for 6 accounts with them although some probably do not have any charges on them, but I though what the hell, add them to the letter anyway.

 

I have now received a letter for 1 of the accounts and it basicaly says:

 

We understand you are of the opinion we are not entitled to charge the fees specified in your credit agreement etc..etc...

 

Blah Blah about my terms and conditions and how I accepted them when I opened the account............

 

We are reviewing OFT's publication of its findings into default charges.....Our view remains we are entitled to charge these fees which is consistant with OFT's views.....

 

Then all of a sudden they change their tune halfway through the letter and offer me a goodwill gesture to refund the charges that I had previously been charged in full and final settlement of this matter. They have refunded around £100 to my DCA who is now collecting on this account.

 

I have no idea as to the amount I have been charged on this account as they have yet to comply with my SAR. Do I accept this amount as partial payment and wait for the 22/8/2007 SAR due date?

 

Anyone have any thoughts on this as I do not know what they are playing at:confused:

 

Cheers pookeymonkey:p

[nfi247]

The S.A.R - (Subject Access Request) was for 6 accounts with them although some probably do not have any charges on them, but I though what the hell, add them to the letter anyway.

 

i agree, and that is what i did. regardless of charges or not, you are entitled to the information they hold on you.

 

They have refunded around £100 to my DCA who is now collecting on this account.

 

what? dont quite understand. are you getting the £100 or the DCA? any money claimed for unlawful charges is yours and not the DCA's.

 

I would write to them reminding them that they have x amount of days left to satisfy your request, IN FULL and that you are not in a position to accept or refuse their goodwill gesture, although it has been noted accordingly.

[pookeymonkey]

Hi nfi247:)

 

My account has been dealt with by a DCA for the past few months and GE Money/Capital (or whatever they go by) have said

 

"the total amount that has been refunded is £90. This amount will be credited against your outstanding balance held with C L Finance Ltd".

 

They are definately playing silly buggers!

 

Pookeymonkey:p

[nfi247]

that makes it easier, reject there offer and inform them that any and all payments made in relation to any and all unlawful charges should be in a cheque made payable to you.

[pookeymonkey]

Many thanks nfi247

 

that makes it easier, reject there offer and inform them that any and all payments made in relation to any and all unlawful charges should be in a cheque made payable to you.

 

I shall be writing them a very nice letter saying just that (the cheeky buggers!).

 

Pookeymonkey:p