Hi Ben just to let you know I was in the same position and after the BBC highlighted the issue of sub prime lenders charging extortinate arrears fees I thought I would chance my arm .The story appeared on BBC business and the FSA promised to take action. I basically wrote to GE asking them to justify the fees and explained that I hoped it wasn't a true reflection of the costs incurred by them for managing my account whilst in arrears, and explained that I would take the matter to the FOS/FSA if I did not recieve a satisfactory explanation. Result £480 refunded and no further charges to be applied "gesture of goodwill" Worth a go ?

Ben I just asked them to outline the expense incurred in managing my account and to justify it, i said that i hoped it wasnt a reflection of sending me 1 letter a month, i then asked for the fees to be refunded or i would be taking the matter to the FSA and FOS . In their response they informed me that managing accounts were payments are overdue is time consuming, intensive and costly and that the £40 charge is for additional work carried out and is reflective of the effort we invest into this exercise.The refund is a gesture of goodwill and is around half of the charges they have also agreed to hold any further fees of this nature. If they don't pay the charges direct to me and just take them of the balance I'm afraid I will have to go for the full amount plus interest .

Hi all just had an offer from GE of 12 months arrears charges back £480 after last weeks report into excessive charges by Sub prime Mortgage companies get your arm in . One letter .

Surely the GAP insurance should have covered the shortfall between the value of the vehicle and the outstanding finance ?

The mass claim was dropped due to a conflict of interests by the Solicitors, never found out what the conflict was

Bring it on already reclaimed £2045 back from M+S PPI currently lambasting Welcome, GE Money ,Bank of Ireland ,Cap One and HFC . Trying to claim for Mortgage Arrears with GE Money and for secret commissions though maybe in over my head on that one .

Hi all just started a claim for her indoors and her freemans account cover which was sold over the phone circa 2001 ,freemans final response is that they didnt have to tell anyone anything because they were not governed and that the claim is to old so the FOS will not do anything about it, problem isd her indoors didnt know what it was until June 2009 . So its off to the FOS .

Evening All , Having just read about on the BBC buiness news about MPs attacking charges on Mortgage Arrears thought I would have a go at GE Money who insist on taking £40 from us whilst in arrears,probably be a tough one but worth a go. Does anyone know the four companies the FSA are about to take "Robust" action against and will this set a precedent .

Hi all her indoors has just realised she has payment and purchase protection on her Bank of Ireland Credit card, sent an initial letter SAR and recieved back the original agreement problem being the box is ticked but not by her definately not her mark . The agreement is a preapproved application form which has a purchase and non purchase statement asking the applicant to tick whichever box, no box has been ticked by her so I assume BOI have ticked the purchase box as no box was ticked . The PPI part of the form starts with the statement "We strongly recommend that you avail of our payment and purchase protection " Does this make this an advised sale ? Your thoughts and advice as always greatly appreciated

Thanks FOS FORM DONE AND SENT

They have just refused my claim on the basis that I chose to do so ,account cover added on the telephone for the 30 day trial ,they say in the letter that the 30 day period allows time to compare the policy to that of any other insurance company and that it was clearly shown on my statements and could have been cancelled at any time . Therefore there is no evidence of misselling .

http://www.fsa.gov.uk/pubs/final/gecb.pdf Full FSA text Fining of GE Money for the mis-selling of Account Cover .

Yes paid for solicitor ,unfortunately its well past the six months since welcomes final response so the FOS will not look at it .

Claim was for a 2004 case and they said they didn't cover it ,subsequently they did write to me about six months later and asked me to send details as they said they may cover it by which times it was with the solicitors

Re Violet Hill Welcome PPI. Well done my claim with Welcome is now going for 2 1/2 years, first with Welcome, then FOS who said they didnt cover it and now with solicitors for the past 18 months . Dont know who is worse Welcome or the Solicitors .

I would prefer not to say howevr I still have the option of taking the case as it is with my solicitor, it has caused me distress and embarassment within my family and community and I think that maybe a full claim for damages against Vanquis maybe the way to go.

heres a result had a blah de blah letter about the agent getting retrained etc phoned up told them I wasnt happy and was taking a personal slander case through my solicitor they've offered to repay all charges applied to the account £312 to be exact, now do I accept or go ahead with the slander case .

In 2007 I successfully reclaimed £257 from Capital One in charges ,I again applied to them June 2009 for the charges applied between 2007 and June 2009 ,they have just writtten and told me that because they paid the charges in 2007 they cannot refund anything else, final reponse ! My rrequest for an original credit agreement turned out to be "Ultra short application form" surely this is pre contractual and unenforceable . Your thoughts and suggestions please .

Hi Dora how long have you been waiting

thanks Andy just wondering how long they usually take .

Hello all just seeking a little information ,allocation questionaire due date was 22nd June 2009 which was submitted on time claim over 5k as yet I have not not heard anything is this usual or should I have had correspondence by now 19th July 2009 . If you can help thanks .

Evening all just checked old documentation from my now settled debenhams card account, I claimed back charges successfully in 2007 but now realise I was paying Account Cover Premium for at least 5 years, now luckily I retained the original credit agreement and surprise, surprise Account Cover Premium not ticked on the original agreement, initial letter letter sent requesting refund. I await response.

Hi everyone I am seeking some guidance as to how to deal with this one ,Vanquis collections telephoned today seeking payment firstly I was only asked to confirm my name as an identity verification can they do this ? explained that I did not have a debit or credit card facility ,so I explained that I would be sitting down tomorrow and working out how much I would be able to send them ,of course it is all charges /late payment /extortionate interest fees .Not good enough we demand you promise to make payment now ,"use another credit card to pay us " had already explained that I was in financial difficulty tried to explain again my intention to work out how much I could afford to pay them ,the lady then said " You know its the same as you going into a supermarket filling a trolley and walking out without paying for it " I then asked quite loudly I must admit are you accussing me of theft ? she said I didnt say you were a thief ,she continued to threaten me with a debt collection agency ,and stated they would be phoning me on a daily basis until they got a date on which I was going to pay . I eventually spoke with a supervisor who was not helpful at all merely saying she didnt call you a thief and asking when are you going to pay . Can anyone help or point me in the right direction .

No theres a seperate sheet with the terms and conditions listed but nowhere to sign it ,it seems to be a generic leaflet .This is all they have sent me after request .Plus I made the request in November 2008 and they sent it in February 2009 told me they had to get it out of storage or something. Thanks for the reply

Hi all just wondering if anyone could help I applied to Bank Of Ireland for original agreement back in November 2008 finally received a copy of pre approved credit card application form which i have signed ,beside where i have signed it states the usual this is a credit agreement regulated by the CCA 1974 etc... at the bottom of the page it states to avail of your pre-approved credit card simply dcheck your details are correct and return the form we will then send you a copy of the credit agreement ,Lending criteria and terms and conditions .They BOI state this is a contractual legally binding credit agreement any thoughts or guidance would be appreciated