GE Capital/Money

lordavmic

hi all i need some help to claim back charges from GE Money .
I took a secured loan out with them a number of years ago and i want to reclaim back charges and redemption fee,im not sure if they are covered by the bank stay,and which templete letter to use.

at present ive won £141 from monument thanks to this site and amex have 1 more day before i contact ombudsman,if i can help you claim against these companies just ask
thanks.

nonchalant

hie

I have just received a letter from the financial ombudsman saying that they cannot deal with my case RE: reclaiming GE Money store card charges...has anyone else been told the same thing??? HELP i have coughed up a lot of money over the years in charges...and i have found GE money to be a real piece of work.. since Feb last year they have been messing me about...they sent me a lot of meaningless figures which are supposed to be my statements...and have been stalling since.......once again..HELP!!!!!

Edinburghlass_2

lordavmic wrote: »

hi all i need some help to claim back charges from GE Money .
I took a secured loan out with them a number of years ago and i want to reclaim back charges and redemption fee,im not sure if they are covered by the bank stay,and which templete letter to use.

at present ive won £141 from monument thanks to this site and amex have 1 more day before i contact ombudsman,if i can help you claim against these companies just ask
thanks.

The charges will be covered by the bank charges template letter but not any redemption fees.

Edinburghlass_2

nonchalant wrote: »

hie

I have just received a letter from the financial ombudsman saying that they cannot deal with my case RE: reclaiming GE Money store card charges...has anyone else been told the same thing??? HELP i have coughed up a lot of money over the years in charges...and i have found GE money to be a real piece of work.. since Feb last year they have been messing me about...they sent me a lot of meaningless figures which are supposed to be my statements...and have been stalling since.......once again..HELP!!!!!

The FO won't deal with store cards so you need to follow through the process yourself and start a court action if this is the stage you are at.

angelwillow

angelwillow wrote: »

Do GE usually pay up before the day in court?

Anyone know?

angelwillow

That'll be a yes then - letter from G.E solicitors today offering full amount, not court fees but I will phone and question that.
Has taken nearly 8 months for not really much money but got there in the end. :beer:

Jvic28

I have successfully reclaimed many charges from credit cards and from my Bank (Natwest) but am wondering whether it is the same principle when reclaiming from store cards and catalogues, as I haven't done this yet. I have account with Littlewoods and Dorothy Perkins (GE Money) Has anyone has any joy with these.

Thanks

emweaver

I have sucessfuly reclaimed charges from GE Money for my Debenhams store card. At first they wrote back saying there was nothing they could do so I followed the 2nd letter that martin put up on here. Also worked with my Argos store card too!

mon1o

Hi all here is my resonse from GE money. Can someone please tell me how to go about getting my money back?

Basically they will pay me £36 as a goodwill gesture in full and final settlement and are sending me a cheque in the post within the next 14 days. they are unable to refund anymore as the info on charges etc is detailed in marketing material produced to all new customers (i didnt receive anything like this) and in the t&cs. they say the oft declared £12 as a charge that was fair and consistent to costs incurred by the financial institutions (can anyone verify this?)

The letter is 2 pages long and basically states they cannot (or wont) refund the full costs of my charges and certainly no interest.

Can i send the next letter (stating they pay me within 14 days or i go to court) and in that letter ask them to send me a list of the costs incurred when i went over my limit so i can send it to the FOS for verification if they wont refund my money?

Many thanks
Monica x

mon1o

sorry just to add GE have put an address of the FLA (finance and Leasing Association) who are these people are they the equivalent of the FOS?They tell me if i am dissatisfied with their response to go straight to the FLA. What do i tell the FLA? do i send the letter threatening court first?