GE Money PPI Claim?

[bigphil61]

Hi Guys,

 

I've been trying to get information together to enable me to reclaim PPI from

GE Money and

HFC Bank.

 

At the time of these loans I was banking with Halifax Bank and then Alliance & Leicester (Santander).

 

Unfortunately, I have lost all details of the loan accounts.

 

I did however have all the acount details for the current account held with A&L.

 

Having read over the last few weeks on CAG the best ways of gathering the information needed I used a SAR template

posted in your library to ask each organisation for all data associated with me and my address (same address for the last 11 years).

 

I posted all the SAR's on 12 March 2012, using the Post Office 'signed for' and included the customery cheque for £10 for each request.

 

On 22 March I got a reply from HFC Bank,

they said they required proof of ID and they had sent back my cheque and SAR.

 

I sent them a copy of my driving licence with the picture blanked out and the signature lined through

I also resent the cheque, the orginal SAR and little note reminding them that the SAR was still in force from the 12 March 2012!

 

Today I received a letter from GE Money saying they are unable to trace this account but if I give them details of the account they will be able to check their databases again! They also sent back the cheque and SAR with their letter.

 

I also received a response from Santander saying they could not find any accounts held in my name

or at my address despite me including the account details!

Low and behold they also have sent back my SAR and cheque!

 

On my Halifax Bank Statements from May 2006

I have payment references to both GE Capital (GE Money) for £233.68 &

Household bank (HFC Bank) for £320.76.

Unfortunately, the bank statement does not supply the account references for the loan accounts.

 

Any chance someone can throw some light on what's going on and any ideas on what I should do next?

 

Sorry for the longish thread

 

BigPhil61

[dx100uk]

anything on your CRA file?

 

dx

[dx100uk]

failure to reply comply letter to GE money then

its NOT SB'eds o should not have [yet] been destroyed, please try harder!!

 

dx

[bigphil61]

Thanks dx, I will be posting them a failure to comply letter today! Do you think it would be worth my while to try and get the loan account references directly from the bank (even though the bank account is now closed), if I have all the relevent bank account details along with ID?

[bigphil61]

Hi All,

 

Santander and GE Money have failed to respond to my SAR's reminder letters or to my LBA's.

 

After reading around the site I get the impression that I should now prepare to take them to court to get them to comply with the DPA and SAR. I believe I will need to fill out an N1 form and ensure that I let them know the case is about DPA compliance. Now this is where I'm going to need some advise please:

 

1. I found a list of court fees (EX50) but I can not find the actual fee for the N1 application I want to make, what is the fee for failure to comply with the DPA? (I read in one thread that it was £30 to submit the N1 and in another that the courts were charging £175!)

2. Do I fill out the N1 form to include both companies or should I complete two N1 forms one for each failure to comply?

3. What needs to be included in the court bundle and do I need to supply 3 copies of all documents in support of my case?

 

Any help you can give regarding the above will be gratefully received.

 

Thanks in advance

Phil

[bigphil61]

Hi All, I just found Shelly181146's thread (Another Barclaycard PPI/Charges claim) and it answers a most of my questions. Cheers Phil

[bigphil61]

Hi All,

 

Some help with a GE PPI claim, please?

 

I had no information about the loan agreement or even if I had paid for PPI, I had nothing but some old bank statements that indicated that I did have a loan with GE over 7 years ago.

 

After taking advise from members of CAG I duly sent my SAR to GE on 7 March 2012 and waited for a response.

 

I got nothing back but two letter requests for account information so that they could check there systems for the data. I sent them several letters including LBA's but no response regarding the SAR from them at all.

 

I decided to go the top and sent an email to Ana Botin (CEO of Santander) explaining that I was very disapointed with the lack of documents from GE and there failure to comply with the DPA.

 

Two days later I got a call from a Supervisor at Santander applogising promising to get all the information to me within a week, as I had also requested all my A&L banking data as well.

 

Today I finally recieved my GE Money SAR documents from Santander and this is where I need help, advise and guidance. Please find attached the loan agreement that they sent me, I have included the statement of account.

 

GEMoneyEdited.pdf

 

Is it possible that some one has tampered with this agreement at some point after I signed up for the loan?

 

Thanks in advance

 

BP

[Conniff]

Dunno how they've done it but the total amount payable is higher than the actual payments over 60 months.

 

I can't see any ppi as that would have added another £2,523 to the amount.

 

Were you paying more than £233.68 on a normal month or a second payment?

[bigphil61]

Hi Conniff,

 

I only paid £233.68 per month for the loan as far as I can recall. I'm also thinking that there is something strange about the figures, a cover up perhaps?

 

BP

[Jedicris]

Hi,

 

If you take £250 away from the total figure of 14504.80 this leaves £14254.80 which is the amoun that the payments would come to.

 

Why £250? This is the difference between Total Cash Price of £9756 and Amount of loan of £9506. Did you pay a small deposit of £250?

 

The agreement says a PPI payment of £42.06 per month. Did you have a separate D/D?

 

I would be worried about the tick in the box and also the whole section crossed off.

[bigphil61]

Hi Jedicris,

 

I paid no deposit as far as I'm aware, its really confusing me!

 

Why did they more or less ignore my SAR and only when I get in touch with the top guy do they send it with an agreement where the PPI is crossed out in ink, an electronic tick against CPI, my name typed in and figures that do not match up!

 

Has anyone had this type of shall we say 'mistake' happen to them when dealing with GE Money or Santander?

 

BP

[dx100uk]

ge money posts moved from your other thread.

 

dx

[Skyrocket1]

Did anything else happen with this?

[bigphil61]

Hi Skyrocket1, I have not done anything with it so far, as I can not find any further details regarding seperate PPI payments! I'm still awaiting a SAR from the Bank I was with at the time and will update if I get anywhere with that! BP

[peterdougie]

i was refunded £800 from ge for ppi but my payment have not went down are they still charging me ppi

[bigphil61]

Hi Peterdougie, Have you given them a call or written to them and asked them to cancel the PPI payments? BP

[peterdougie]

yes but they keep fobbing me off

[dx100uk]

how can they 'fob you off'

ancel my PPI please.

 

end of

 

dx

[means2anend]

I have just received a letter in response to my sar on behalf of friend whose account Debenhams Store Card/Ge Capital One (now in control of SANTANDER CARDS UK LTD) goes back to 1998 according to accompanying account notes BUT they only provided transactions from Aug 2005-Oct 2006....accompanying notes shows credit limit reduced in Nov 2011...therefore according to Companies Act 2006 c.46 and Money Laundering Regulations 2001,2003,2007/2157 they have destroyed documents prematurely OR playing concealment

 

They have given a total for the actual premiums offered but to my mind this is far too low in view of historical length of account evidence....so sent in a letter mentioning they have broken the law...as fifth Principle Schedule 1 DPA 1998 does not specifically mention any time limit but the above STATUTES do!!!

 

The FACTS of this particular ppi shows that they have unlawfully destroyed documents BEFORE the time limits...or something more sinister involved...

[means2anend]

Here are the relevant provisions....but you will need at least a minimum of account history from them to work from...i.e transaction dates...account notes showing nature of transactions..i.e credit limit reduced from or increased to etc...

 

Companies Act 2006 c.46

http://www.legislation.gov.uk/ukpga/2006/46/part/15/chapter/2 (see in particular SUBSECTION (3)(a) of Section 386

 

http://www.legislation.gov.uk/ukpga/2006/46/part/37/crossheading/company-records

 

 

Money Laundering Regs 2003/3075

 

http://www.legislation.gov.uk/uksi/2003/3075/regulation/6/made

 

Money Laundering Regs 2007/2157

 

http://www.legislation.gov.uk/uksi/2007/2157/regulation/3/made

 

http://www.legislation.gov.uk/uksi/2007/2157/part/3/made (in particular see Section 19 Subsection (3)(a and b)

 

http://www.legislation.gov.uk/uksi/2007/2157/regulation/2/made

...for meaning of 'business relationship'

Edited July 26, 2012 by means2anend