store cards

chrissy4042

Hi,

For many years I had a Debenhams and a House of Fraser Store card which i finally paid off (after both accounts going to collections) about two years ago. Unfortunately I got rid of all correspondence but would like to reclaim my charges. Can anyone give me a telephone number to ring for GE Custom finance or an address so that I can request copies of my statements?

Many thanks.

natty16

Hi,

I had the same situation with a New Look card. Although GE Money do not provide the finance for New Look any more I am pretty sure they did when I had my card. I had absolutely no record of account numbers etc so I have written to GE with my DOB and address in the hope they can trace my details.

I wrote to

Data Protection Administration
GE Money
PO Box 700
Leeds
LS99 2BD.

I worte to them on 11.8.08 but have not heard anything back.

I hope this might help you.

GL

rchrisp

quick question - do Store Cards come under the same criteria as Credit Cards? ie the stay does not apply to them?

thanks

shooter

Yes storecard reclaiming is the same as credit cards so claims as per the templates for credit cards

Shooter x

rchrisp

cheers. i claimed about £500 from them three years ago so will give it another go.

pinknico

Can anyone tell me if you have to sign a new credit agreement if you get given a higher credit limit? And does an unasked for higher limit make the first agreement void?

borgbaiter

hi

dont know the answer but ive never had a new agreement when my limits have risen or fallen.


Borgbaiter

michaela888203

Hi All, I sent the first letter to GE money in March time, they got back to me saying that they had received the letter, but there was a backlog, and gave me a time to which they would reply. The total amount the excel spread sheet calulated was £328.00.

In June I reveived the following letter (broken down)

We understand you are of the opinion that we are not entitled to charge the fees specified in your credit agreement.
When you were issued with your debenhams account card, you agreed that you account would be subjecy to GE money's standard terms and conditions of business. Those terms included fees, which woudl be applied to your account for 3 types of default: late payment, a returned payment (a returned cheue or returned DD) or an over limit fee,
The fees you refer to in your letter have applied to your account in accordance with out standard terms and conditions. They are a core part of the terms on which we provide credit and are highlighted in the summary box contained in our markering materail. The material is provided to prospective customers before they make an application for credit.

We have reviewed the OFT's pbulication of its findings into default fee charges along with our cost base. Due to the amount of the administrative costs GE indurs upon customer defaults, our view remains that we are entitled to charge there fees (which is not inconsistent with the OFT's view).

The OFT ruling deemed that a fee over £12.00 would be presumed to be an unreasonable charge for costs incurred as a result of breaching the Terms and Condistions of your credit agreement. Our charging structure now is in accordance with this ruling.

Having reviewed out charging policy we have also reveiwed our refund policy. As of 9 July 2007, GE Money will only refunda proportion of charges that our customers have incurred that exceed £12.00. Therefore, our decision is to refund £63.00 towards your account in full and final settlement of this matter.

Finally, I must advise that as the interest you have incurred is a valid part of your t & c;s this will not be refunded.

Whilst I appreciate that this may not be the outcome you were expecting, I trust that I have addressed all of the concerns that you raise. If you remain dissatisfied with our response you may refer the complaint to the FOS. To do this you must refer the matte within six months form the date of this letter.

End of reply .......

So they have now credited me £63.00 onto my debenhams account, that I had once closed.

Please advise me on what I should do next ........

Thanks in advance.. p.s. I hate GE Money

shooter

personally I would send them a letter saying that you do not accept their offer and that you will now be proceeding to court unless full payment is recieved by cheque within 14 days, and then continue your claim and stick to your timetable.

There are template letters on this site.

good luck

shooter x

Zapp_from_Planet_Zogg

Have had exactly the same letter twice already (2 store cards).

Have also been through the FLA conciliation route - upshot - the FLA are a waste of time, they even needed reminding of the content of their own Lending Code! Even when the facts were as plain as day they decided to take no enforcement action against GE. What good is a dog without a bite?

My experience with the FOS is that they are much better but can be very slow at turning things around.

GE are on their way to court if I don't recieve a sensible answer by the end of August.

You may be interested to know that the OFT 'ruling' that GE refer to actually says that a charge of £12 may not be lawful. GE have taken artistic licence with that bit.