* Please HELP * GE and the FSA, or how the FSA responded to the GE charges & the PPI claim

[citizenB]

Perfect

[Munirs]

Perfect

 

A big thanks to you citizenB

 

PS: would you know GE's address. The last time I sent them anything through the post was more than 8 years ago!

Edited January 29, 2014 by Munirs
spelling error

[citizenB]

This is the address that I have for them.

 

 

This is their Registered/Head office.

 

 

 

Mortgages:

GE Money Home Lending Limited.

Registered in England No. 3770763.

 

Registered Office:

Building 4,

Hatters Lane,

Croxley Green Business Park,

Watford,

Hertfordshire

WD18 8YF.

 

[Munirs]

This is the address that I have for them.

 

 

This is their Registered/Head office.

 

 

Thanks citizenB -- That's the only address I could found anwhere too so I am going to use it..... Offski to the PO now

[Munirs]

Ok, I have received a letter from GE. Note it is signed Litigation Department, not Customer services or anything customer related. Another scare tactic?

 

 

Here's the letter:

==================

 

Further to your recent communication.

 

Please be advised that the payment arrangement of £XXX is due on the 28th of each month. However, it this payment was made in the 7th of each month, then the payment arrangement would still be in place and no further action will be taken.

 

If you are unsure as to any of the contents of this letter, please do not hesitate to contact us.

 

Your sincerely,

 

GE Money

 

Litigation Department

 

===================

 

Hope this helps someone.

[Munirs]

Hello

 

I know I tried to do this before but ill health and job change got in the way.

 

I have had such a terrible times at the hands of GE.

..In fact, I believe my semi stroke I suffered is because of them.

 

 

To cut a long story short, I took out a loan with GE, through their broker Blue Sky Personal Finance Ltd in July 2003.

 

Even though I repaid a chunk off since, I had few occasions when I fell in hard times, and as such missed few payments and GE took me twice to courts.

 

Every time,they added charges for home visits (which never happened), letters, legal charges charges for administration you name it they charged us for it!

 

I would like to reclaim these charges back.

 

 

I notice that the original agreement which I have copy of, has a tick against PPI single cover. The agreement in joint name, with my wife.

 

Also, importantly, that TICK wasn't done by us at all.

 

 

We believe it was the broker who did that.

 

 

In fact, I didn't know I had PPI with them until I got a letter from a company called Cardiff Pinnacle

 

 

who I believe are the underwriters and the letter issues to us because we missed a payment for the premium.

 

I recall GE calling me last year and sayinhgthat if I ever wanted to claim for PPI, I need to contact the brokers?

 

My question:

 

Do I SAR GE? or call them and discuss this? what is the best way forward? Thank you

[maroondevo52]

Hi,

 

Had a good look around and by the looks of it,it's a tangled web this one, here's GE Moneys take on things regarding PPI....

 

"please check your policy details and make sure you purchased your PPI directly from GE through the following brands*: GE Money, Purple Homeloans or First National / igroup"

 

I'm not sure where you go with this.

[dx100uk]

old and new threads merged

 

 

get that sar off is the first port of call.

 

 

the fact that the PPI ws pre ticked in a money winner

 

 

you've just got to naildown 'who' you fire your arrows at.

 

 

charges too! esp arrears & visits

 

 

go get them!

 

 

dx

[Munirs]

I have finally been able to SAR these:-x GE money grabbers!

 

Finally...its like a dream come true for me...Waited so long to do this...money, and the fact they were hounding us for anything and everything, including 20 calls a day with different numbers.

 

Just wanted to check:

 

I sent it recorded delivery to the Croxley Green Business Park, Watford (sorry can't recall the full address now). I am hoping this is correct.

 

Thanks

for your support

[maroondevo52]

 

Just wanted to check:

 

I sent it recorded delivery to the Croxley Green Business Park, Watford (sorry can't recall the full address now). I am hoping this is correct.

 

 

This is the address I got...

 

GE Money Home Lending

Building 4, Hatters Lane,

Croxley Green Business Park

Watford

WD18 8YF

 

Let us know when you get a reply.

[Munirs]

Ok, just got a reply from GE.

 

Just completely unexpected in its content. Maybe someone here has had similar reply befor from GE,

 

Here's the excerpt from GE's reply to my SAR:

 

"We will be happy to supply you with the requested informaton within the statutory timescales of 40 days.

 

Please note that we will not be in a position to provide copies of any telephone calls unless the following information is provided:

 

. Date of call

. Time of call

. Telephone number to which or from which the call was made

 

We regret to inform you that without this information we are unable to identify any calls connected with your account(s) within our system

 

 

We would also like to advise you that we only retain telephone recordings for a period of 3 years,

and in some instances even with the above information we may still be unable to provide details of the call due to technical reasons"

 

Now I am totally flabbergasted.

It seems to me that there are using some form of delaying tactics at the same time looking like they're following the rules.

 

Also, they are sticking to giving me details of phone calls?

what about the details of charges etc?

 

Is this a standard letter?

and what is my next step please?

 

Thanks

 

Feel like they are attempting to pull wool over my eyes

[dx100uk]

that's ge on every move everyone makes to reclaim anything from GE

 

 

its seriously about time the authorities

realised what GE are upto.

 

 

as an example

theres a member around that has been fighting them for many years on charges

and what they now demand he owes.

 

 

through clever and diligent work

 

 

its been established that GE money actually OWNED the broker that sold the the loan...

amazing.

 

 

dx

[Munirs]

that's ge on every move everyone makes to reclaim anything from GE

==========================================

 

They make me

 

its seriously about time the authorities

realised what GE are upto.

===================

 

Almost a case of conspiracy,me thinks. The authorities surely know GE's unethical and under hand tactics by now?

 

 

 

through clever and diligent work

 

 

its been established that GE money actually OWNED the broker that sold the the loan...

amazing.

=========

 

 

Would love to know this specially about 2 years ago, out of blue, GE called me to say that if I ever wanted to get any PPIs, they'll help me to track down the broker and they said the broker is the responsible entity for claiming it?

 

 

I think I have seen a template here somewhere where it says that the fact they have been sending me letters/court orders to my address is the fact that they have no issues with my identity and it should not stop them from sending out the info.

 

Can't remember where on this forum.

 

Will hunt it down.

 

Cheers for your support

[Munirs]

Hi folks

 

I am about to reply to the request f further info from GE Money following my SAR to them with the a recorded letter containing the followings, :

 

============================

 

I issued your organisation with a “Subject Access Request” (Dated 11/11/2014 , see attached) .

 

You responded to my request with a letter (with no reply address, see attached) requesting me to provide additional specific information.

 

Please see below, the requested information completed in the showing of present and previous telephone numbers and dates of calls:

 

All calls to/from 31 July 2003 till 30/09/2011: Telephone no xxxxxxxxx.

All calls to/from 14/02 /2013 till 20/11/2014: Telephone no xxxxxxxx.

 

Also my date of birth is xxxxx.

 

May I remind you that the details on the Information Commissioner’s office official website state that you can ask for additional information before responding to a subject access request. See extracts below.

 

“The Act allows you to confirm two things before you are obliged to respond to a request.”

“First, you can ask for enough information to judge whether the person making the request is the individual to whom the personal data relates. This is to avoid personal data about one individual being sent to another, accidentally or as a result of deception.”

 

“The second thing you are entitled to do before responding to a subject access request is to ask for information that you reasonably need to find the personal data covered by the request. Again, you need not comply with the subject access request until you have received this information.

 

 

In some cases, personal data may be difficult to retrieve and collate. However, it is not acceptable for you to delay responding to a subject access request unless you reasonably require more information to help you find the data in question.

Source :http://ico.org.uk/for_organisations/data_protection/the_guide/principle_6/access_to_personal_data#m oreinfo

 

I believe the information I have now provided is reasonable enough for you to locate the personal data covered by my original subject access request? If this is not the case please reply to me stating reasons why you cannot locate any data using to the information I have supplied.

 

Where any previous information or records held have been deleted or disposed of, you have a duty to provide descriptions of the methods used to do so, including dates, reason for deletion, certificates or references confirming details of destruction. Where you are unable to provide such certificates, please provide a declaration, signed by an authorised officer of your company, confirming the dates and methods of destruction of this data.

 

May I remind you that a lot of banks are also wrongly interpreting the Data Protection Act (DPA) 1998 as a requirement to only disclose six years worth of personal data, and this is also wholly wrong. The DPA clearly states that all information held must be disclosed and it has no correlation to the Limitation act 1980 at all.

 

I also request you to provide me with the organisation of underwriters involved in the processing of this loan at the time. To avoid confusion please supply the name and current contact details including the current name and address of the underwriters.

 

I expect to receive all data that your company holds relating to my entire account history to be sent to me as per the Data Protection Act (DPA) 1998, as stated in my originally submitted “Subject access request” (Dated 11/11/2014 see attached).

 

I hope this information enables you to locate the information originally requested and this will not meet with any further additional delays. I expect a reply within 7 days and look forward to receiving all documents for the account stated above. If there is specific information which you require in order to satisfy yourself as to my identity, please let me know by return.

yours faithfully,

 

======================

 

IS this ok and anything I can add to it please

 

I cannot wait to send the ball back to them!

 

Thanks again for your help

 

PS: The legal terms/statemenst I copied from another site...of course

[Munirs]

Ok so today I got a reply from GE, with some documents attached.

 

Interesting facts are:

 

1. Date of Birth of my wife is wrong?

2. They don't have any contact telephone other than my current mobile. Although this account goes back to 2005!

3. There is a section that clearly says PPI information

and under this, these are the details:

 

Insured Party : Only myself (even though it's a joint account)?

Insurer: Pinnacle

PPI premium : £2958.03

Insurance apportioned Cover %: 100

Insurance level of cover: LASHU

Insurance status: Expired

Insurance Expiry Date: 28/08/2008

 

The secured loan copy with First National sent by Ge still shows that tick which I didn't make (nothing like ticks I make lol) for PPI single cover.

 

OK then there are copies of account statements,, starting from 28.02.2003.

 

I see an entry there that says Gross loan INS - Insurance Pre for 2,958.03

 

Also entry at regular interval marked as Interest INT - interest, ranging from 43.38 to 325.51 etc

 

Following charges are noted:

 

Direct debit recall UNP £20, few times

 

Default Notice charge FNL - Mi £30 , few times

 

Calling in notice Cl1 - Callin £50

 

Admin fee LIV - Sec 1 £100

 

Debt Counselling VSC - Visit R £57.50

 

Solicitor interim legal fees F £542.50

 

Interesting there is a reversal for Debt Counselling VSC entry:

 

All these same day:

===========

Debt Counselling VSC - Visit R £84.00 Debit

 

Debt Counselling VSC - Visit R £86.00 credit

 

Debt Counselling VSC - Visit R £57.50 Debit £60

 

==============

 

Contract Interest charges few times

 

Admin fee

 

CAC payment

 

Miscellaneous Repossession charge £90

 

Additional interest few times

 

Transfer from s/a C £2,951.10 ?????????

 

Solicitor interim legal fees again few times

 

 

 

 

 

 

 

OK, now I am lost. I am sure they charged me more than these charges???

 

Anyway, anything I can claim back please

 

 

Thanks

[dx100uk]

it would be miles better to scan them up

 

 

dx

[Munirs]

it would be miles better to scan them up

====================

 

Did you mean scan the statements in their entirety or everything?

 

Of course, I'll have to tippex out certian details.

 

Thanks Dx

[dx100uk]

well certainly anything to do with PPI/PENALTY reclaims you are going to do

 

 

dx

[Munirs]

Hy everyone,

 

Sorry for the late reply. Been a little unwell. All good now.

 

I have scanned everything can think of that is to do with PPI, and atttached it here.

 

Please let me know what you guys think? and the next step. Thanks again.

 

 

Hi Dx.

 

I have just converted the files to pdf format. Hope this is fine. Thanks

[Munirs]

Is the info contained in the pdf, either in post 19 and or in the one I did later on, any useful? I mean does it help to establish a case that I can use?

Thanks again.

[dx100uk]

yes but you need the full statements

 

 

ppi is detailed below in link 1

 

 

as for the fees

 

 

you can reclaim

visit fees

arrears fees

and other document fees

phonecall fee

 

 

you cannot reclaim

interest

sols fees

 

 

dx

[Munirs]

yes but you need the full statements

========================

 

I didn't get these...Are these with the broker Blue sky?

Thanks

[dx100uk]

should be with whom you were paying GE

 

 

if the loan ran full term you don't need them link I tell you how to calc

[Munirs]

should be with whom you were paying GE

===========================

 

I am paying GE directly to them...In the documents that I uploaded there is a copy of what may look like a statement. I am not sure it is?

[dx100uk]

yes but incomplete however you don't need it follow link 1 below

 

 

dx