Cookie vs GE Money

[paulc365]

HI, Sent off SAR and £10 cheque at the end of April and it's now been over 50 days and still no statements through my letterbox. Any ideas as to why and what would my next steps of action please?? They did send a letter saying they were busy with this, but surely they are obliged to meet my request still!! I have busy days at work too, but still get everything done!!!

[Rooster-UK]

Your next step will be to write to them pointing out that they have not complied with your DPA SARs request.

See these links.....

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/6986-data-protection-act-non.html

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/6971-data-protection-act-non.html

 

Select the appropriate template for your purpose. Give them a further 7 days in which to comply or you will report the matter to the Information Commissioners Office and/or commence action in the county court to get compliance.

 

Regards, Rooster.

[paulc365]

Sent off non-compliance today!! Thanks for the link.

 

By the way, I used to have a River Island store card and am sure there are charges on there. However, I closed the account sometime ago and can't exactly remember when. Is there anyway I can find out the account number or any other info please. Surely I'm entitled to know it!??! Thanks!

[steven4064]

River Isalnd is also run by GE Capital Bank. They should have given you all that information in reply to your SAR as that is also information they hold on you. Send a BTW letter to follow the one you have jsut sent.

 

Steven

 

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Any opinions are without prejudice & without liability.

Almost everything I know concerning the law I learned from this site

[paulc365]

I only ever stated my Topman account in the SAR. Should they still send the River Island stuff aswell??

[steven4064]

I think technically probably yes as the S.A.R - (Subject Access Request) is for all data they hold on you. It is probably unreasonable to lay in to them on that score but I think (and what I did with NatWest) was to send another SAR but pointing out that this was data they really ought to have sent the first time and therefore I was not sending them another £10. Haven't heard from them yet, mind.

 

Steven

 

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Any opinions are without prejudice & without liability.

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[paulc365]

Is there a different spreadsheet for calculating interest for store cards as mine is for 8% and I need it for 29.9% i believe. Can't change it on the spreadsheet I have!! PLease can you help.

[steven4064]

I use Mindzai's - http://www.zen122856.zen.co.uk/CompoundSheet_v1.9.xls

 

Put the basic data on p1, charges on p2 and interest comes outon p4 (ignore p3, that's s69 interest)

 

Steven

 

If this post is helpful, please click the scales

Any opinions are without prejudice & without liability.

Almost everything I know concerning the law I learned from this site

[paulc365]

Sent of SAR back on 3rd April and still no statements.

 

Sent non compliance on 11th June and they cashed my original £10 cheque on the 15th but still no statements.

 

Phoned them today and was extremely stern...they said statements would be with me within 2 weeks of cheque being cashed!! Is this a load of lies???

 

AND THEN.... to make things more interesting I had a letter this morning saying thank you for your recent letter, as previously requested, please find a list of charges on your GE Money account.

 

They then list 7 £15 arrears letters charges and have credited me with £105.00!!! I havent even asked for this!!!

 

What's going on?????

[steven4064]

GE Money seem to be doing this a lot. Keep at them though - It is good to get the 3105 back but

 

a) how do you know it's all the charges

b) what about the interest?

 

Steven

 

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Any opinions are without prejudice & without liability.

Almost everything I know concerning the law I learned from this site

[paulc365]

I know for definite that's not all the charges, but i can't believe they have started refunding me when i haven't even asked!!!

 

What are they like to deal with when I finally get my statements???

 

Also, should i wait the extra 2 weeks like they have asked me to??

[steven4064]

What they did to us was:

 

a) sent us a cheque for the charges that we had climed and that were on the statements they had sent, immediatley they received our prlim lette

 

b) sent a cheque for the charges we had estimated immeditaley the received the LBA

 

c) agreed to pay the interest (but with strings attached) a couple of weeks after we files at court

 

d) went to the AQ stage on a court claim before agreeing drop the conditions

 

Steven

 

If this post is helpful, please click the scales

Any opinions are without prejudice & without liability.

Almost everything I know concerning the law I learned from this site

[paulc365]

Getting really annoyed with GE Money!! Rang twice now after giving them a 7 day deadline on 11th June to comple with my SAR request and still no statements!! GRRR!! They are telling me that the 40 days counts from when they cash my cheque which was not until the 15th June after my forceful follow up letter!!

 

My original request was on the 23rd April and they have acknowledged this on the 7th saying it was received but they are really busy.

 

Shall I file MCOL as they havent complied within my deadlines. Also what do i write in the particulars and will they pay me my filing fee back??? Thanks!

[paulc365]

Still no statements form GE Money, I have phoned and phoned but still no luck!!

 

Sending this if you think it's ok! Please could you let me know??

 

You have failed to comply with my Data Protection Act Subject Access Request dated 26th April 2007. GE Money had 40 days to meet my request and so far this still has not happened after 77 days to the date of this letter.

 

I am extremely disappointed with the unprofessional attitude and poor customer service of your company. I have made numerous polite calls for you to send copies of all my statements for the above accounts since they were opened. Last month, you even cashed my £10.00 cheque to cover the cost of this, whilst not even having the decency to fulfill my demand. This cheque was sent with the original letter.

I have made several, time consuming phone calls to GE Money, left messages for you to contact me and even made an official complaint that has never been acknowledged. I feel that this is a disgraceful way to treat a customer.

I am writing to inform you that unless I receive all of my statements for both accounts within 7 days I shall seek a court order obliging you to do so and also contact the Information Commissioner and the national press. I have no doubts that the courts will take a very dim view of your behaviour and neglect of your obligations.

[Dispirited]

Subscribing. Any update?

[paulc365]

Hi, I started this thread a long while ago and am aiming to get back on the case!

 

GE eventually contacted me and siad they no longer held information on closed accounts. Lies probably!

 

I would estimate that they owe me £300-£400 but i have no evidence without statements.

 

Any advice on what I should do to get back onto them???

[steven4064]

My GE claim was on a closed account - keep at them

[paulc365]

Thanks Steven. Should I send another SAR as its been a year or so?

[steven4064]

Why do you need to?

[paulc365]

well i still have no statements and i still don't have a clue as to an exact amount. i dont know whether to guess! they really dug heels in about sending my statements!