Hi there, I have been sent the following: Dear xxxxx, Please write to our Customer Relations Team: Egg Pride Park Riverside Road Derby DE99 3GG So I guess I will have to requested in writing. Any ideas of how to put together a letter?

To be honest, I don't remember the year I took the card, but it was after 2000 for sure, I probably took it online but not sure. I do know they contacted me after of ask for a loan online and they were very pushy for me to take the PPI, but I told them that I got something else in place. I got the feeling when I applied for the card, which was earlier than the loan, they may have contacted me in this way too. I also remember asking to the agent when i cancelled the PPi for a refund, but I was advised this was not possible...Let's see now what they say.

Hi there, I've been following your thread with interest, I also got a Credit Card with Egg, and at the moment I got a DMP in place with them. I do remember having the PPI on the card, but I didn't know that was there, I also got my own PPI insurance separately which covers all my cards. More than a year ago, I cancelled the PPI as soon as I realised it was on my card, I remember telling the person on the phone that I didn't know this was on the account, and they tried their best to make change my mind, but I told them I got insurance elsewhere and is cheaper. I've just send them an message asking them for my money back, because I'm sure it was mis-sold. Let's see what they say. Sorry for the hijacking...

This is their answer, you were right they were going to pull it on the special dispensation from the OFT: Dear XXXXXXI'm sorry you feel this way regarding your Egg Card account, I've logged your dissatisfaction regarding this on our internal complaint recording system, the reference for this isPlease copy and paste the below link into your web browser address bar for further information on the Office of Fair Trading ruling on bank charges. A summary is below.www.oft.gov.uk/news/press/2006/130-064. The OFT is not proposing that credit card default charges should be equivalent to the threshold, and a court will certainly not consider that such a charge is fair just because it is below the threshold. Where there are exceptional business factors, so that the presumption that a credit card default charge over £12 is unfair is not applicable, this does not necessarily mean that the current level of the charge is consistent with the OFT's interpretation of the requirements of unfair contract terms legislation. But for example, where a card issuer has a policy of requiring customers that satisfy a relatively high scoring req.Should you need any further assistance please contact us ether via secure message, or via our contact centre on 08451 233 233. This line is open 24 hours a day, 7 days a week.Thanks for your message.RegardsJohn DaviesInternet Customer Services -----Original Message----- Date: 18 Mar 2008 Time: 19:03 Subject: Overlimit charges Dear Sirs,I have noticed that you have charged me for the last 5 months £16 for being over my credit limit. I have to advise you of the ruling by the OFT regarding this charges which states that this cannot be higher than £12 at a time. You may be interested in the following:NewsroomPress releases 2006Current credit card default charges unfairOFT sets threshold for intervention68/06 5 April 2006Credit card default charges (see note 1) have generally been set at a significantly higher level than is legally fair, said the OFT today. The OFT estimates that across the industry this has led to unlawful penalty charges currently in excess of £300 million a year.Download Calculating fair default charges in credit card contracts (203 kb).Download guide for consumers (64 kb).The OFT now expects all credit card issuers to recalculate their default charges in line with the principles set out in a statement published today and to take urgent action where needed to reduce the level of credit card default fees. The industry has until 31 May to respond to the statement. These principles also apply to default charges in other consumer contracts such as those for bank overdrafts, store cards and mortgages.Where credit card default charges are set at more than £12, the OFT will presume that they are unfair, and is likely to challenge the charge unless there are limited, exceptional business factors in play. A default charge is not fair simply because it is below £12. Setting a threshold for intervention is a pragmatic pro-consumer action that is designed to give the industry the opportunity to change its practice without litigation. It is supported by detailed guidance to the industry as to how to reduce the likelihood of public enforcement (see note 2).A default charge should only be used to recover certain limited administrative costs. These may include postage and stationery costs and staff costs and also a proportionate share of the costs of maintaining premises and IT systems necessary to deal with defaults (see note 3). Exceptional business factors which may affect the level of a fair charge may include policies to prevent casual defaults as operated by issuers such as Egg (see note 4).Only a court can finally decide whether a charge is unfair or not. The OFT has today set out a statement of its view of the law. This has not generally been accepted by most of the eight credit card issuers.John Fingleton, OFT Chief Executive, said:'Our statement of principles provides practical guidance to banks which increases their incentives to compete vigorously while protecting consumers from being charged unfair amounts. Our threshold approach is a spur to changes in market practice. We expect credit card issuers to adjust their default fee levels quickly. We have not ruled out future legal action if the market does not respond positively.'NOTES1. These are charges in standard credit card contracts for a failure to pay a minimum payment on the due date, exceeding a credit limit or a failure to honour a payment made.2. This reflects the OFT's duty to target its resources on serious consumer detriment as a priority over cases involving less harm to consumers. Card issuers are required to confirm their response to the OFT statement by 31 May 2006.3. A fair default charge should not exceed a reasonable estimate of certain limited administrative costs which the credit card issuer reasonably expects to incur as a result of default.4. The OFT is not proposing that default fees should be equivalent to the threshold, and a court will certainly not consider that a default fee is fair just because it is below the threshold. Where there are exceptional business factors, so that the presumption that a default charge over £12 is unfair is not applicable, this does not necessarily mean that the current level of the default charge is consistent with the OFT's interpretation of the requirements of unfair contract terms legislation. But for example, where a card issuer has a policy of requiring customers to pay minimum monthly repayments by direct debits, such as that operated by Egg, and offers credit cards only to customers that satisfy a relatively high scoring requirement it may be able to set a fair default fee at a level above the threshold.5. The OFT has published a short guide for consumers and consumer advice agencies setting out the principles on which default charges should be calculated. This can be downloaded above.I hope you amend the records in my account accordingly and apply the ruling of the OFT. Regards,Julia Jimenez

I sent them a copy of the ruling of the OFT: Newsroom Press releases 2006 Current credit card default charges unfair OFT sets threshold for intervention 68/06 5 April 2006 Credit card default charges (see note 1) have generally been set at a significantly higher level than is legally fair, said the OFT today. The OFT estimates that across the industry this has led to unlawful penalty charges currently in excess of £300 million a year. Download Calculating fair default charges in credit card contracts (203 kb). Download guide for consumers (64 kb). The OFT now expects all credit card issuers to recalculate their default charges in line with the principles set out in a statement published today and to take urgent action where needed to reduce the level of credit card default fees. The industry has until 31 May to respond to the statement. These principles also apply to default charges in other consumer contracts such as those for bank overdrafts, store cards and mortgages. Where credit card default charges are set at more than £12, the OFT will presume that they are unfair, and is likely to challenge the charge unless there are limited, exceptional business factors in play. A default charge is not fair simply because it is below £12. Setting a threshold for intervention is a pragmatic pro-consumer action that is designed to give the industry the opportunity to change its practice without litigation. It is supported by detailed guidance to the industry as to how to reduce the likelihood of public enforcement (see note 2). A default charge should only be used to recover certain limited administrative costs. These may include postage and stationery costs and staff costs and also a proportionate share of the costs of maintaining premises and IT systems necessary to deal with defaults (see note 3). Exceptional business factors which may affect the level of a fair charge may include policies to prevent casual defaults as operated by issuers such as Egg (see note 4). Only a court can finally decide whether a charge is unfair or not. The OFT has today set out a statement of its view of the law. This has not generally been accepted by most of the eight credit card issuers. John Fingleton, OFT Chief Executive, said: 'Our statement of principles provides practical guidance to banks which increases their incentives to compete vigorously while protecting consumers from being charged unfair amounts. Our threshold approach is a spur to changes in market practice. We expect credit card issuers to adjust their default fee levels quickly. We have not ruled out future legal action if the market does not respond positively.' NOTES 1. These are charges in standard credit card contracts for a failure to pay a minimum payment on the due date, exceeding a credit limit or a failure to honour a payment made. 2. This reflects the OFT's duty to target its resources on serious consumer detriment as a priority over cases involving less harm to consumers. Card issuers are required to confirm their response to the OFT statement by 31 May 2006. 3. A fair default charge should not exceed a reasonable estimate of certain limited administrative costs which the credit card issuer reasonably expects to incur as a result of default. 4. The OFT is not proposing that default fees should be equivalent to the threshold, and a court will certainly not consider that a default fee is fair just because it is below the threshold. Where there are exceptional business factors, so that the presumption that a default charge over £12 is unfair is not applicable, this does not necessarily mean that the current level of the default charge is consistent with the OFT's interpretation of the requirements of unfair contract terms legislation. But for example, where a card issuer has a policy of requiring customers to pay minimum monthly repayments by direct debits, such as that operated by Egg, and offers credit cards only to customers that satisfy a relatively high scoring requirement it may be able to set a fair default fee at a level above the threshold. 5. The OFT has published a short guide for consumers and consumer advice agencies setting out the principles on which default charges should be calculated. This can be downloaded above. Let's see what they offer and them I'll take a decision.....

I've just realised I've been paying the last few month for over limit charges £16 at a time. I've just sent them an email remind them that the maximun the can charge is £12. I can't believe they still change more than they have been told to do. Can I complaint to the OFT for not following their regulations?

Hello all, I have just finished an interesting conversation with MBNA. I took a loan in December 05 for £10K, I haven't got any paperwork or anything. I do remember applying online, being sent a paperwork to sign off and never got anything back from them. Today I've been told I only have paid back £3K even when I am paying £250 a month more or less. I asked the lady if there was a PPI on it, and guess what, yes it is around £2K which was added on top it and obviously add the interest. I told the lady if she was so kind to send me copies of all the paperwork as I really didn;t received anything, and that I was a bit confused as I thought I have been paid more of the loan. She told me she will sent me the paperwork, but that it may take 10 working days, because the Loan was taken in 05. Well let's see what they do and if I got all the info. I really don't remember putting the insurance bit... Anyone dealing with Virgin (MBNA) that can help me or advise me how are they like...

cool I like the idea of one for all... It's on the post now.

Ok I'm about to send the SAR request and do the things properly. As I have two accounts with GE I am thinking in putting the number of the 2 accounts on the same letter. Am I right to think that they should be able to supply me with the information? It seems for the template of the SAR letter, that I should, as it mentions anything in your name. Any thoughts before I post the letter?

I found this info in the Companies House register: DEBT INVESTIGATIONS (UK) LIMITED 5TH FLOOR THE PLAZA 100 OLD HALL STREET LIVERPOOL L3 9QJ Company No. 04164669 Status: Active Date of Incorporation: 21/02/2001 Country of Origin: United Kingdom Company Type: Private Limited Company Nature of Business (SIC(03)): 7499 - Non-trading company Accounting Reference Date: 31/12 Last Accounts Made Up To: 31/12/2006 (DORMANT) Next Accounts Due: 31/10/2008 Last Return Made Up To: 21/02/2008 Next Return Due: 21/03/2009 Last Members List: 21/02/2007 Some link: Experian - DEBT INVESTIGATIONS (UK) LIMITED (Company Report) - AlacraStore.com http://www.consumeractiongroup.co.uk/forum/sitemap/t-127481.html I hope this helps.

Anyone has tried the complaints dept of the FLA? Any help welcome.

I phoned the FOS and explain my issues with Ge Money, they told me that because it was previous to 2005, they can't get involve at least I was to take my complaint from Jan 05 onwards, which will be losing in money. They say to contact Ge to know who is the insurance company that is in charge of the PPI. Also they say I will have to complaint to the FLA. I'm kind of stuck here...

I'm on the same boat than you with to store cards via GE Money. Mine goes back to '01, and like you were opened in the shops by sales assistants no on them mentioned the PPI the only thing they keep mentioning was the discounts and offers, blah, blah, blah. I sent a letter for each of the accounts and I have got the same reply in both, pretty much they don't want to admit the PPI was mis-sold. I was told to sign where the lady marked an x and that was it. I have not received paperwork in any case for the insurance and until now I didn't realised what it was as I thought it was some kind of admin fee. Also not mention that the insurance was optional. You can see my post it that helps you out. They even send me copies of the application forms, which I post them so people can see them. The funny thing is that in one of them my siganture is only in the PPi bit, I didn't sign to authorise the opening of the account. I'm subscribe to you post now.

Let's see if this works: zara_goza - Photobucket - Video and Image Hosting

Here are the two application forms. Any ideas of how to put together a letter for the Debenhams one will be much appreciate it. As you can see the River Island one the agreement is totally blank, so I didn't sign the important part of the application. So tecnically that means I should only being charged for the PPI

I'll try to scan the forms and post them ASAP.

Got the same letter for the other account with GE Money, they have included a photocopy of the application form for the account. Guess what it is signed the bit of the PPI, they kindly have even highlighted it....but the best bit comes now, and that shows you their sales practises are appaling...the important signature for the application to go through is blank, so it seems they made me sign the wrong part....ha-ha I guess I'll have to photocopy the application and point out to them that because my signature is only on the PPI bit, and not in the bidding agreement, means that they are in the wrong...Let's see go goes with this one. I'm still need to put together a letter for the other account...but I guess I'm going to enjoy showing them their mistake....:grin: What should I say in the letter...Any ideas?

Hi there It seems you my be having the same letter than me, check my post. I'm planning my next move. GE Money doesn't want to be honest and pay back what they took from us

Bad news, I got What I think is a stardard letter from GE Money for the Debenhams card, which says: Thank you for your letter dated xxxxxx 2008. I understand that you complaint is regarding Account Cover Insurance. Having checked your account details, I can confirm Account Cover Insurance consisting of price, payment and purchase protection was added on the xxxxx 2001, when we received your signed credit agreement and opened your account.I have enclosed a copy for your information. (Yes it was signed where the lady put the X on, but was not explained to me at all I didn't notice one of the signatures was for insurance) I have considered the points set out in your letter and I have detailed below our response to each of the points that you raised: I appreciate that due to recent press regarding insurance regulations and GE Money being fined by the FSA you feel that you may have been mis-sold Account Cover Insurance. The FSA fine, and the asociated media coverage, however relates to policies purchase after the 14th January 2005 when the FSA's ICOB regulations came into force. As set out above, I note that your policy was set up on xxxxx 2001. As this was prior to January 2005, the FSA's decision is not relevant, but all complaints alleging that insurance may have been mis-sold are taken very seriously and I have therefore fully investigated all aspects of your complaint. (Surely it they were fined was because this practises have been going on for long) I note that you say that you were not told that the policy was optional when it was taken out on xxxxxxx 2001 but also note that the process that we had in place was to make clear that it was not compulsory. I can confirm that on the agreement you signed it asked you to sign if you required the Account Cover, which you did. There fore it appears that it was made clear that the policy was optional and that you elected to take out the insurance. Once a customer has decided to take the product, a policy summary and policy document is mailed to the customer for their review. We also offer a 30-day no-quibble guarantee where the product may be cancelled, and any premiums refunded (subject to no claim being made). This allows time to compare the policy to that of any other insurance companies. (I don't remember receiving paperwork for the insurance bit only for the card, if I knew what I have that insurance I have used when I was made redundant) In relation to your reference to the sale process, there was no requirement upon us to record the sales process and so we have no way of knowing what took place on xxxxxxx 2001. However, if any matters that you suggest took place, you would have been able to call at any time in the first 30 days and we would have removed the insurance from your account. (Well if I have noticed the insurance I may have phoned it) Since you opened your account, the insurance has been clearly shown on your statements, when a balance has been outstanding, and could have cancelled or a claim made at any time. in addition the policy was upgraded on XXXX 2003, when new policy documents would have been sent to you. (As I said I thought it was part of the account, not something that was optional, also never received the PPI documents yet again) I can find no evidence of mis-selling the insurance; therefore I am unable to refund the premiums applied to your account. In your letter you do not request to cancel the insurance, however, in light of your concerns the insurance cover has now been cancelled. As such, you will no longer be able to make any claim on this insurance and will lose the payment, price and product protection that this insurance afforded you. If you want to preserve the ability to make a claim, please call 0870 124 2412 abd we will reinstante the insurance. (Like if I am going to do that) I trust that I have addressed all the concerns you raised. If you remain dissatified with our response you may refer the complaint to the Finance Leasing Association. Their contact details are: FLA Imperial House 15-19 Kingsway London WC2B 6UN 02074209661 (So they don't take any responsability and wash their hands sending me to other place to deal with it) Should you require any further information, please contact me on my number below (Like if I am going to phone them to a premium rate number) 0870 125 25 45 What should I do next? Funny enough I have not yet received the same letter for my other account with them....

That's great!! Thanks for the info. I remember having a cahoot credit card a few years back. I'll have to investigate if there was a PPI there or not. It probably was put on the account, as I only realising of the PPI in my cards now.

Thanks, that was quick...

Thank you guys for the help. I know they are going to trying to drag this as much as they can but I'm fed up and this time it's pay back. I also got my card done by a lady in their beauty dept, and I don't even remember the year, what I know it's that she keep mentioning the 10% extra off if I opened an account, she filled the paperwork for me there and then and she contact whoever was over the phone to give the approval, no mention what's or ever about the PPI or the APR or nothing really. Me being young and naive dind't ask about anything else, gave my bank detals for the DD to go through and forgot abotu it. I was never send papaerwork for the PPI and I thought the Payment Protection was part of the deal as standard...:-? The other card kind of similar and more or less on the same time than the other..... I'll stick to my guns and times. It seems since the people are getting more aware of their nasty practises and are bombarded with complaints these people are dragging as much as they can't. I actually mentioned in my letter 3 or 4 reasons was it was mis-sold to me the PPI. And I pointed out that the FSA fined them because of this. If they don't answer in my time scale I'll have to pressure them in other ways. My only problem is that I don;t keep any of the old statements, I lost them or shredded ages ago, so I don;t know how to calculate what they owe me. I'm going to have to send them a S.A.R letter I guess...

I got letters from GE Money, both letters the same one for the Debenhams card and the other for the River Island card, they are they startard letter which says: Dear XXXXx, Thank you for your letter on 14 February 2008. We always try to provide the very best level of service possible and I am sorry you are unhappy with the service provided on this occasion. The concers you raised are currently being investigated and a response will be forwarded to you within 4 weeks from the date we received your complaint. Should you require any further information in the interim, please contact a member of my team on the number below. A copy of our Complaints Handling Procedure is enclosed for your information. Yours Sincerely, Ruth Ritchie Customer Complaints Resolution Team 0870 125 2545 Then I got a copy of their Complaint Procedure and other copy of the contact numbers and the Financial Ombudsman. They give the following address from their Complaint Resolution Team GE Money Capital House Unit A Bruntcliffe Way Morley Leeds LS27 0JG FAX: 0113 240 4801

Lloyds TSB Bank PLC Compliance Dept. Mountbatten House Military Road Chatham ME4 4JF

Mainly for PPI but I'll see what they return to me. I remember I requested the Mint Card online. I have tried a few times cancel the PPI and this has not happen, including by letter. I have started my fight with GE Money for two store cards. I need to sent a S.A.R to Barclays, HSBC and Smile. I'll let you know how this thing goes. And Good luck to you too.