Burtons Account / Ge Money Trouble. Plz Read Im Desperate.

Patrick20

Just before christmas last year I was sold a burtons account whilst purchasing a coat from the retailer.I forgot about it for a while until i recieved my first due payment. Tried to pay it over the phone but couldnt get through.
I know i should have sorted it out immediately but I didn't and ignored it.
I then recieved a Letters from Ge Money and Burtons requesting payment.
I phone up Ge Money and ask to transfer a payment using internet banking.

So the man gives me the account i should pay into (which i check against the bill) and gives me a reference number and other information. I pay the full amount including the interest and late payment fee.

HERES THE PROBLEM. i get contacted shortly after that saying that the i still owe that amount plus an added late payment fee. i told them i had transfered the money and the person i was dealing with told me they would FREEZE the account from gaining more interest etc until they found my payment. Months later they contact me via letter saying they have found my payment, they have taken it off the balance but i now owe two late payment fees which accumulated whilst they were searching for my money. could someone please advise me what to do as everytime i phone them up i am put on hold, charged a fortune on calls and get no solution to my problem.

jamesd

Write a letter. Keep a copy.

Patrick20

thank for the advice. much appreciated.
write a letter saying what though?
what about something outlining that when i paid i had covered the full amount and i wont be paying money for the incompetence of their staff. Then say that failure to resolve this problem and further communication on this matter will be dealt with as harrassment? hows that?

YorkshireBoy

Patrick20 wrote: »

hows that?

Aggressive and confrontational. Why not simply state the facts, as you have done in your OP, and leave the emotion out of it?

jamesd

The person who reads your letter will have had nothing to do with causing the problem but will have discretion to decide between doing the bare minimum or the maximum possible. Never start out with a confrontational letter. Be polite and simply state the facts and ask them to correct the problem.

Patrick20

Sorry just a little bit angry as this has been going on for months. hows this then?


[FONT=&quot]On 27TH February 2008 I transferred £83.00 from my bank account to GE Money to settle the debt [/FONT]
[FONT=&quot]Incurred on my burtons menswear account – 0000000. Due to a malinformation error the transferred payment was temporarily misplaced. I was contacted after this by another of your employees who also informed me that there was no record of payment. I explained I had already paid in full and was told that the account would not incur any more fees until this problem had been dealt with. On 12/4/08 I received a letter detailing that the payment was successfully found in the account and that I had paid on the date I had previously stated. [/FONT]I see that there have been several additional interest and late fees charged to the account while you were searching for my payment.


Please remove all charges, fees and missed payment reports to credit reference agencies that have been applied since the date of the payment, to restore the situation to that it would have been had the payment been processed properly when it was made instead of being applied many months later.

[FONT=&quot]I look forward to hearing from you and to a resolution of this problem. I hope this matter can be dealt with in a rational manner and I will give 30 days for your company to resolve this. After this time period I shall be forced to pursue legal action on this matter. [/FONT]
[FONT=&quot]
Yours sincerely[/FONT]
Patrick J Stevenson.

jamesd

Still overly aggressive for maximum effectiveness in getting you what you want from the innocent person who will be dealing with it.

"Thank you for your recent latter saying that you have found the payment I made on 27 February 2008. I see that there have been several additional interest and late fees charged to the account while you were searching for my payment.

Please remove all charges, fees and missed payment reports to credit reference agencies that have been applied since the date of the payment, to restore the situation to that it would have been had the payment been processed properly when it was made instead of being applied many months later.

Thanks for your assistance in correcting this maladministration problem."

And I'd leave it at that at this point. Can close the account once they have fixed the problem, better to leave them with the possibility of retaining your business until then. maladministration is a word specifically chosen because that's the problem type and they have a regulatory obligation to correct problems due to their maladministration.

Patrick20

I'm not sure your letter would work its a bit overly nice. If i give then a time for them to deal with it then it clearly indicates that the problem is important and should be deal with immediately. Also saying that i shall have to get legal advice mean that they will take me seriously. I think there needs to be a balance. I will incorporate the maladministration part though.

thank again for helping me

ps ive changed the letter a little to your liking now. In fact a just copied and pasted bits. I still think it needs to be taken seriously so im leaving the time limit and legal threat in it. I dont think the person reading it will think the threats are towards them but to the company as a whole.