GE MONEY

[pinknico]

I have just tried to reclaim my ppi payments from a store card from GE Capital Bank obtained in store in 2001. My points were non proffesional seller of PPI, pushy sales person, the fact GE Capital Bank had been fined for misselling.
Their letter said as there was no way of knowing what had taken place in store they can't say how it had been sold but if I had been unhappy about it I could have cancelled in the cooling off period. As to them being fined that only covered the year 2005 they tell me not 2001. They then gave me the address of the FLA if I was unhappy with their decision.


Is this a final letter?
Do I write to them again or the FLA?

I obviously didn't make it clear that I thought the PPI was compulsary hence pushy sales person or I would have cancelled, there was no sign of the word optional on the form and the phrase remember to add account cover I naivly thought meant I had to or wouldn't it have said "do you want to add optional account cover?"


Any comments,tips,advice gratefully received.

[Paule]

Re: GE MONEY

Do you have a copy of your documents and the T&Cs in place when you took out the card?

They will always fob you off with their first response.

You need to write to them again re-itterating your points, plus i would add

Their letter said as there was no way of knowing what had taken place in store they can't say how it had been sold

as they are admitting they dont know the selling procdures that were used are therefore they cannot comment on how it was sold.

If you have the original doc, can you scan it and post it up, most have a box to tick.
Are you saying it was printed already and that there was nothing to enable you to decline it?

PKea

[pinknico]

Re: GE MONEY

Do you have a copy of your documents and the T&Cs in place when you took out the card?

They will always fob you off with their first response.

You need to write to them again re-itterating your points, plus i would add

as they are admitting they dont know the selling procdures that were used are therefore they cannot comment on how it was sold.

If you have the original doc, can you scan it and post it up, most have a box to tick.
Are you saying it was printed already and that there was nothing to enable you to decline it?

PKea

I did sign up for it because I thought I had to due to the sales person and the phrase on the agreement saying"Remember to add Account cover to your application. it gives you complete peace of mind.They sent me a copy of the agreement but no terms and conditions.
Sorry wouldn't know how to scana and post at the moment.
Thanks for reply.x