GE money Upsetting phone call

[dellydaisy]

Ive just had a rather upsetting phone call from ge money were ive been formally told off!!

 

I recieved a letter thurs saying I,d missed aug payment and I owed XXX and XXX for my sept payment, failure to pay this would lead to a default notice on my account I set up a standing order straight away, to pay my missed payment,

Today i recieved a phone call asking were my pyment is, i explained what i,d done and paymen is on they way et..

She then told me that it didnt matter as a default notice had been placed on my account for failing to pay straight away, I did inform her that I did set up my order straight away, she said it wasnt fast enough!

I asked her why send thurs letter if they placed a default on my account by this time she wouldnt let me speal repeatedly interupted me, kept saying mrs XXXX your not listening to me, so i asked her again about thurs letter which she promptly hung up!!

 

Its left me in tears and so angry!!!

 

ive already a year ago files a data request wher i got back missing statements and i didnt have the energy to chase things up, Now im mad and want to claim back.. Can I file another data request and start my process again?

 

Can I also send the template asking them not to phone me?

[dpick]

Ive just had a rather upsetting phone call from ge money were ive been formally told off!!

 

I recieved a letter thurs saying I,d missed aug payment and I owed XXX and XXX for my sept payment, failure to pay this would lead to a default notice on my account I set up a standing order straight away, to pay my missed payment,

Today i recieved a phone call asking were my pyment is, i explained what i,d done and paymen is on they way et..

She then told me that it didnt matter as a default notice had been placed on my account for failing to pay straight away, I did inform her that I did set up my order straight away, she said it wasnt fast enough!

I asked her why send thurs letter if they placed a default on my account by this time she wouldnt let me speal repeatedly interupted me, kept saying mrs XXXX your not listening to me, so i asked her again about thurs letter which she promptly hung up!!

 

Its left me in tears and so angry!!!

 

ive already a year ago files a data request wher i got back missing statements and i didnt have the energy to chase things up, Now im mad and want to claim back.. Can I file another data request and start my process again?

 

Can I also send the template asking them not to phone me?

 

Hi yes you can redo your S.A.R - (Subject Access Request) but this time send a FULL SAR (surprising what comes out) also send CCA request for your agreement put at top of letter "Account in dispute" include para along lines that monies sent are fee not to be deducted from account (don't matter if they do it's a legal request anyway) and include copy of phone harassment letter from templates.

 

all the best dpick

[dellydaisy]

Thanks for that!!!

 

Where do i find a template for the cca ??

[dpick]

Thanks for that!!!

 

Where do i find a template for the cca ??

 

This is the one I used bits pulled from everywhere.

 

Request for information under the Consumer Credit Act 1974

 

Re Account Number: xxxxxxxx

 

As per sections 77-79 of the above act, I hereby request a True Copy of the Original Executed Agreement for the above account.

 

It is my understanding that:-

By law, you must comply with this request within 12 working days of having received it. I am sending this letter Recorded/Special Delivery.

 

The statutory fee of £1 is required to be paid for this information, please find enclosed postal order (postal order you don't have to sign and they cannot use signature to create agreement)

 

In responding to my request to supply a True Copy of the Original Executed Agreement, you must also provide any and all documents referred to in it. Where this may include Terms and Conditions as varied, I hereby specifically request a True Copy of all the inception Terms and Conditions which form the original agreement, and all variations to them since.

 

You should also supply to me, a signed statement of account.

 

Should you fail to comply with this request in any part, or exceed the prescribed time allowed to respond, you shall be in default of this act and legal request.

 

Whilst you are in default, and until such time as you fully comply, -you may not pursue, enforce or increase any alleged indebtedness, nor disclose any information regarding me to any third party what-so-ever.

 

If you fail to fully comply with this act and request for 12 working days plus one calendar month, you will have committed an offence under the act.

 

If you are unable to supply a True Copy of the Original Executed Agreement and all documents therein (and specifically the inception Terms and Conditions), I would be grateful if you would confirm this in your response within the 12 working days allowed.

 

Yours faithfully

 

dpick

 

Don't use your normal signature as some company's have been known to cut and paste.

 

all the best dpick:rolleyes:

[surprise]

They can't just put a default notice on your file. They need to give you at least 14 days written warning regarding a default notice and giving you a date in which to bring the account up to date. The figure they default you at should not contain any penalty charges. I would obtain your files from the CRA's to see if they have done anything.

 

If you have a problem write to their head of complaints - Mark Metcalfe at Torre Road.

 

I now coniser myself an expert with GE Money having had six months of negotiation regarding a car loan and which they have now apologised and paid compensation.

 

Keep at them.

 

good luck

[steven4064]

And here's the harrassment by phone letter