River Island Store Card / GE Money - PPI

[saferidges]

Hi again. Well having done a lot of reading around my Beneficial Finance Issue I have been looking at all the statements in my 'little box of statements', and I have also come accross my River Island Store card statements and found that that has PPI on it as well, I didnt even know about that, so am certain some cretin in River Island just added that on when i took the card in store back in 2005!

Would I be best served sending a letter to River Island or GE Money, since it is GE Money that I pay my monthly charges to? Or should I perhaps write seperately to both? I see GE money have been fined considerably so would assume this claim will end up with them?

Once again, many thanks for your help

Saferidges

[alanalana]

Originally Posted by saferidges

Hi again. Well having done a lot of reading around my Beneficial Finance Issue I have been looking at all the statements in my 'little box of statements', and I have also come accross my River Island Store card statements and found that that has PPI on it as well, I didnt even know about that, so am certain some cretin in River Island just added that on when i took the card in store back in 2005!

Would I be best served sending a letter to River Island or GE Money, since it is GE Money that I pay my monthly charges to? Or should I perhaps write seperately to both? I see GE money have been fined considerably so would assume this claim will end up with them?

Once again, many thanks for your help

Saferidges

If your Consumer Credit Agreement is headed with GE Money then claim against GE Money. They are involved with a lot of store cards.

[saferidges]

Thanks again for your quick reply. I will do just that

Thanks

Saferidges

[saferidges]

Update:

Santander have replied to me (my GE query must have been forwarded to them) and have basically rejected my claim outright.

The issues they bring are as follows;

Insurance was added on 26th October 2000 and therefore the FSA's decision is not relevant (fining the group for mis selling)

They have advised and shown me my original documentation where i have signed for payment protection. They therefore claim that this was my decision. They also advise that i had 30 days after taking out the protection to cancel the protection - as I did not they see that i wasnt unhappy.

I feel that they have missed the point entirely here. I was mis-sold PPI as i did not understand it was optional. It is only recently that I have discovered what has happened and cancelled the protection in addition to making this complaint.

The credit agreement they have sent me shows my signature, it also clearly shows a 'star' scribbled on next to the signature box which is surely a prompt for me to sign.

Can anyone advise what response I should give to this letter? Its angered me as it completely apportions blame to me in all matters. Missing the point that I was mis-sold this as an 18 year old who did not know better or to challenge what was being sold to me. If more information is needed please let me know.

Thanks in advance

[alanalana]

Update:

Santander have replied to me (my GE query must have been forwarded to them) and have basically rejected my claim outright.

The issues they bring are as follows;

Insurance was added on 26th October 2000 and therefore the FSA's decision is not relevant (fining the group for mis selling)

They have advised and shown me my original documentation where i have signed for payment protection. They therefore claim that this was my decision. They also advise that i had 30 days after taking out the protection to cancel the protection - as I did not they see that i wasnt unhappy.

I feel that they have missed the point entirely here. I was mis-sold PPI as i did not understand it was optional. It is only recently that I have discovered what has happened and cancelled the protection in addition to making this complaint.

The credit agreement they have sent me shows my signature, it also clearly shows a 'star' scribbled on next to the signature box which is surely a prompt for me to sign.

Can anyone advise what response I should give to this letter? Its angered me as it completely apportions blame to me in all matters. Missing the point that I was mis-sold this as an 18 year old who did not know better or to challenge what was being sold to me. If more information is needed please let me know.

Thanks in advance

Sorry to hear that santander are being a bunch of (nasty words abound here but I will desist) newbie jobsworths, that keeps it polite for the moment.

Next step IMO is a complaint to the fos, FSA, Information Commissioner`s Office, OFT.

here are all of the details to start making waves.

This is a copy of what I sent out you may wish to use some parts to prepare your own response to the arrogance of santander.

Mr xxxxxxx
See distribution.

xxxxxxxx 2008

Dear Sir,

Submission of a Very Serious Formal Complaint against the Royal Bank of Scotland

I wish to lodge a very serious formal complaint against the Royal Bank of Scotland (RBS) for their failure to fully comply with a Data Subject access request (S.A.R - (Subject access request)) under the provisions of Section 7 Sub section (1) ( c ) (i) and (ii) of the Data Protection Act 1998 which is a statute within the Law of the British Isles.

On the 7 January 2008 I submitted a S.A.R - (Subject Access Request) to the Royal Bank of Scotland asking for information on five loan accounts which I have held, two with Direct Line Financial Services (DLFS) and three with RBS. Four of these loans were refinanced to subsequent loans up to the current loan which is still active.

To date, I have received statements on the three RBS loan accounts, a statement on my current account and since submitting a request for Consumer Credit Agreements under the provision of Section 77 of the Consumer Credit Act 1974 I have now received the documentation on the existing loan.

Despite several further requests for the information as required by my S.A.R - (Subject Access Request), none has been forthcoming.

Letters have been sent on:
24 January 2008
16 February 2008
12 March 2008
28 March 2008
2 April 2008
12 April 2008
12 April 2008 Request for CCA under provision of Consumer Credit Act 1974
19 April 2008

I have still not received Consumer Credit Agreements with associated paperwork on four of the loans. Because of the inordinate delays, the information requested on the first loan which was refinanced in March 2002 would be of no use as any claim against that loan would now be statute barred within the Scottish Courts.
I have not received data in the name of recordings of telephone conversations or transcripts of those conversations between the RBS and myself.
I have not received copies of emails or letters which I know exist.
I have also not received any properly certified documentation by Data Controllers within the RBS stating the information that I have requested has been disposed of, destroyed or erased.

The Royal Bank of Scotland is a member of the British Bankers Association (BBA), is licensed by the Financial Services Authority and should I believe, operate within the Law of the Land and therefore respond within the statutory timescales within Legal Acts at Law, namely the Data Protection Act 1998.

I have, when asked, provided information to the RBS, but it seems to me now, that they will try and delay supplying the data requested by using whatever delaying tactics they see fit. On one occasion referring me back to DLFS for the information I had requested. The fact that the DLFS had been legally transferred back to the RBS on 1 March 2006 (the transfer included all DLFS loans) was obviously overlooked by the Data Protection staff within the RBS.
This is indeed an extremely sorry state of affairs and it beggars belief that RBS staff would not be aware this Legal transfer had taken place.

My understanding is that the RBS had 40 days to fully supply all the information requested in my Subject Access Request, this has most certainly not happened.

I would therefore like to request that each addressee takes the appropriate measures to instruct or at least direct the RBS to supply this information to me as a matter of urgency.

I have a complaint lodged with the Information Commissioners Office Case Reference xxxxxx
I would now urge the Commissioner to consider an Enforcement notice against the RBS under Section 40 of the Data Protection Act.
I would also request that the Financial Services Authority, the Financial Ombudsman Service, the Office of Fair Trading and the British Bankers Association add this extremely serious complaint to their files on the Royal Bank of Scotland.



Yours sincerely



A xxxxxxxxxxx


Distribution:

The Financial Services Authority, 25 The North Colonnade, Canary Wharf, London, E14 5HS.

The Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London,
E14 9SR.

The Commissioner, Information Commissioners Office, Wyckuffe House, Water Lane, Wilmslow, Cheshire, SK9 5AF.

The Information Commissioners Office, Casework and Advice Division, Wycliffe House, Water Lane, Wilmslow, Cheshire, SK9 5AF.

The Office of Fair Trading, OFT Enquiries, Fleetbank House, 2-6 Salisbury Square, London, EC4Y 8JX.

Chief Executive, British Bankers Association, Pinners Hall, 105-108 Old Broad Street, London, EC2N 1EX.

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Just edit to suit your own complaint and I hope it is of use

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