Joanne said:

well whaddya know!
i am beginning to experience the same sort of rubbish, spending lots of time on the phone trying to claw back the payments they continue to lose and the late payment fees they keep adding!!
after losing my first internet banking payment i received a letter from the "HEAD OF CUSTOMER SERVICES" stating that they found my money and all is well and laying out different account details to pay my money into.
all well and grand, so i changed the account details and thought no more about it until the following month i received a statment illustrating a late payment fee which was removed from my account the day BEFORE the payment was due and no sign of the money i had again paid in in plenty of time! - confused??? me too.
when i phone customer services i cannot speak with this Adam Dalton "Head of Customer Services" because he works in .... wait for it.....

Posted on 4 December 2007 at 1:33 PM

Joanne said:

oops!
hit submit by mistake sorry.

but of course didn't he work in COLLECTIONS which has nothing to do with the people i phoned using the number at the bottom of his letter.
so now they are trying to say i've done something wrong and they cannot trace it their end because they have no record of the letter.
in short - my money has been lost, i'm afraid to pay anything off my current bill and i can't even use my credit card in the run up to Christmas because it gets refused in the shops.
really not a pleasant experience, i've spoken to so many people and each one says the last one didn't submit the query correctly and i'm wondering do they really expect the customer to phone every couple of days to listen to the same lies and deferrment and pass the buck and allegations of having made the error in the first place myself.
so i'm sorry but i had just got off the phone Andrew and began a search for some way of contacting this punter Adam Dalton in order to get to the bottom of this and also looking for a complaint form when i came across your blog and decided to add my rant.
but thank you for the tip on the freephone number that'll make a big difference now that i am going to have to phone them continually until they find my money.
thanks
joanne

Posted on 4 December 2007 at 1:40 PM

Eileen Graham said:

I have had the pleasure today of demand for November and Decembers payment, all because I paid 1 day early so it was still in the previous billing cycle. Now I have late fees etc.
They will do nothing and trust me I have called.

Posted on 11 December 2007 at 12:22 AM

Meredith said:

I just got off the phone with my favorite bill collector....GE Money. I was so frustrated and angry after the debacle that I thought "I cant be the only person having trouble with this organization"

I have gone through the same games with these people.

My last 3 payments were reversed and I was charged 30bucks each time as a late fee.

GE Money insists that I have entered my account number wrong on each payment.

I tried to make a 4th payment and had my husband put in my banking info.....same thing!! reversed payment and 30 dollar charge!!
I know we have entered the right info and they will not even look into the possibility that it could be a glitch on their end.
I spoke with a supervisor and tried to get him to let me make a payment by phone. He wanted to charge me an extra $15 phone fee!

I got into a huge fight with this guy. I am sooooooo sick of GE money. I am considering small claims court.

I have never had this much trouble paying a bill in my entire life.
I am so fed up with them.

Posted on 13 December 2007 at 1:07 AM

john boi said:

you people may want to learn how a credit card works and read your t's & c's of your credit contract. Of course if you make a payment in the previous billing cycle it wont count towards your next monthly payment. And if you do a bank transfer you may want to contact your bank to trace your missing paymnet, also if you spoke nicely to the collections officer insted of "screaming down the phone" you might get your pethetic fee's/interest reversed easier. O and as for your $15 dollar phone fee your full of it...

Posted on 4 January 2008 at 5:49 PM

Andrew Bowden said:

And we would like to thank the Chief Executive of GE Money for his contribution to this debate ;)

John Boi might want to try re-reading this post and some of its comments properly before insulting people, because only an utter muppet would believe that a consumer should be punished when a credit card company who have been instructed to take full payment fails to do so.

John might also wish to consult his T&Cs. Your card company has obligations to you too.

Posted on 5 January 2008 at 11:26 AM

Ian said:

GE Money have been nothing but trouble for my g/f too. She had a Debenhams store card and spent about £85 - she paid insurance on it in case she got injured/illness and when she broke her collar bone and couldn't work they wouldn't send her the claim forms (though keep saying that they're on the way) and added on charges until now I've had to pay £185 just to get them off our backs as they were threatening sending the repo man!

GE Money are a bad joke and I recommend people NOT to use them or store cards that are run by them (rip-off interest rates anyway).

Posted on 8 January 2008 at 2:04 PM

Rob said:

Although I am in NZ, I can assure you that GE Money is alive and well down here. In fact, they have all but monopolised the consumer credit industry here. Almost every shop that offers finance now does it via GE.
Their interest rates and penalties ensure that you are indebted to them for a long time.

Posted on 14 January 2008 at 3:28 AM

louise said:

I actually work in the collections dept and all i have to say that GE money is a reputable company that i admit has its flaws once accounts are in arrears due to the automated letters and dialler, however youd be surprised how many customers do not take note of the credit agreement they are signing!!!!

Posted on 20 January 2008 at 9:09 PM

Robert Halliday said:

I don't know who is really to blame for this GE Money or PayPal Credit Card. I have a PayPal card used very lightly so far, I was offered a 0% interest free period of 6months so made use of it to the tune of £2700 plus a charge of £50. Fine, thats tucked away for 6 months anyway. I got my next statement in with a charge of £82.50 which is 3% of the sum owed. I have a projection for the following month of £80.03 which is 3% of the balance. Some transfer balance at 0% Interest!
Regards All.
Bob Halliday.

Posted on 19 February 2008 at 9:53 AM

Laura Nicholson said:

GE sucks!
They charge customers for every single thing; late fees, collection fees, litigation fees, if you are trying to pay off your debt, you will never end. They will make sure you always have more to pay!!!

Posted on 25 March 2008 at 11:42 AM

Liz said:

I have just written a letter to Debenhams telling them to vote with their feet - GE have caused me no end of problems unecessary late payments and you CANNOT get any sense out of the people you talk to NIGHTMARE. There are NO benefits to customers by having a Debenhams store card if you just get loaded with cost late payments and interest. They suck!!!!!

Posted on 27 March 2008 at 12:43 PM

Anon said:

Abbey (Santander) have just bought the GE credit card business. Things will get from bad to worse for you lot!

Posted on 27 March 2008 at 2:23 PM

anon said:

I also work for GE - I work in management in the activations department. May I just say that we do try to deal with all of your issues proffesionally and promptly after all, most of us are customers ourselves and know how frustrating it can be if your issue is not dealt with to your satisfaction (dont get me started on the debacle I am having personally with N power) That said you would be amazed at how many customers ring through to the wrong department and demand that their problem is dealt with. As mentioned I work in activations which unfortunatley for us is a free phone number. The hint is in the title of the department - We work in ACTIVATING your new card - however customers will ring us as we are the free number demanding that we sort out their issue. Dont get me wrong - I wuld love to help you, however I am not trained in he issues that you are having therefore I am unable to help - I am then asked to transfer the call to the correct department - I explain that we cant do that - If I transfer you, it means that We are sitting in a call que trying to pass you to the right department - meaning our customers whom are trying to call up to the correct department and activate their card - can not get through - which in turn makes them angry. I will offer you the correct number - but no - you want to be transferred as you will not pay to make a call to deal with something you do not believe is your fault. I try to explain that even if I transfer you - once that has hapened you will be charged anyway - but that is besides the point. Some customers can not understand hat GE is a huge business - with lots of departments - We are not all trained in every department as we would not be able to keep up with all of the changes within all of the business and give factaul information - which is why we need to transfer you. Shouting at the advisor that answers the phone - will not help matters - please bare in mind that the advisor is a human being - has their own problems and issues and quite frankly does not get paid to have a customer threatening them or shouting at them down the phone. Next time you call up with an issue - listen to what the advisor is saying to you - and your issue will probably get solved much more quickly - In my experience most customers will rant and rave and only hear what hey want to hear. Also please remember that resolving an issue takes time - Ask for the name of the advisor whom has been dealing with your issue and ask for an extension number - therefore you have a point of contact - but do not feel as though you have to ring 20 times per day - if we say we are dealing with an issue then we are - but we also have another 100000 of customers that require our help also. I am very sorry that any of you have had a bad experience - however in most circumstances the problems can be resolved quickly and easily and if the error is our fault we make sure you incur no charges. However most of the isues Ihave dealt with have been at the fault of the customer eg they have not read their credit agreement - or switched off at the part when we are telling them T & C's over the phone - most people are happy to take the money but dont listen to the important stuff such as when payements should be made or what their interest rate is etc - then it becomes our fault. It has come to the point where my department is recording all calls so we are covering our back!

So sory for the rant - but just thought I would share what it is like to be on the other side.

Cheers

Posted on 4 April 2008 at 1:17 PM

anon said:

ps - Santander have not bought the GE finance business - We have exchanged - Not sure how you think things will get worse? we at GE do not know what the changes will bring yet - so not sure why you want to cause even more bad feeling towards a business it could mean that things will change for the better

Posted on 4 April 2008 at 1:21 PM

anon said:

"But hey, lets assume I had filled in the form wrong. Which was 2 months ago incidentally. If they did, why did they not phone me to tell me it was wrong? Why did they send through two statements proclaiming they’d take money out of an account which (according to them) didn’t exist? One simple phone call to me saying “Look, we think there’s an error on this direct debit mandate” and all would be fine. But no. Nothing. Presumably because they’re a nice bunch of con-artists who’d rather you didn’t realise that you were being charged interest and late fees, and would rather you just paid it instead"

Do you think GE assign 1 person to each account and check it every day just to make sure everything is perfect on your account? Sometimes issues do not flag up or come to a businesses attention - This is your own account and bank details and even you didnt notice untill much later -Letters are sent to you automatically - someone does not sit and type it up - you noticed the mistake - you called in and you had your fees waived - quit moaning!

Posted on 4 April 2008 at 1:29 PM

Andrew Bowden said:

"Do you think GE assign 1 person to each account and check it every day just to make sure everything is perfect on your account? Sometimes issues do not flag up or come to a businesses attention - This is your own account and bank details and even you didnt notice untill much later -Letters are sent to you automatically - someone does not sit and type it up - you noticed the mistake - you called in and you had your fees waived - quit moaning!"

Frankly, I expect good customer service. And if I send in a form and it has an error, or if something else goes wrong, then I expect to know about it. Whether that check is manual or automated, it doesn't matter. If the check deems there is an error, then the customer should be notified - it's perfectly doable, as Icesave proved to me today! A system will know the error exists.

Of course in my case with GE Money, someone claimed I made an error, and I wasn't notified of it.

That's no doubt because, as I mentioned in my original post, I made no such error, and there's proof of that! Yet a representative of GE Money swore blind that I had made that error. The error was with GE Money - and frankly, as a customer I don't expect to be lied to in an attempt to cover up a mistake made by GE Money. I don't expect to have to fight on the phone for nearly an hour in order to get my refund. That is bad customer service.

Good customer service is possible to do and if a company strives towards good customer service, then its customer service staff will generally be treated well by the customers. On more than one occasion I've phoned up a company expecting to have to fight for my result, and not had to - the process handled the issue perfectly, the staff were helpful and friendly.

Incidentally, I think it's very important to be to people on the phone. It can't be an easy job, and I don't want to be the person they go home and moan about. However in the case of my dealing with GE Money, the only way to get anywhere was actually to turn into a bastard. Trying to be calm and nice got me absolutely nowhere. Threatening official complaints to banking regulators did.

Posted on 4 April 2008 at 4:26 PM

anon said:

i work as a store manager for a company that have used ge money for 10 years. i have frequently had to call them on behalf of their customers as the misperception is that because they opened the card in our store it is us that's messed up their statements. occasionally i get through to someone first time but then you're put on hold for 5 mins whilst they transfer you and then lose you!! on calling back no-one knows anything about it and you explain all over again only to be told you need to speak to someone else.
two best examples of APPALLING customer service with ge are customer opened a card,after it arrived in the post he pre loaded his card with an extra £400 to take advantage of an upcoming sale in the store. in his eyes and mine he now had £750 (previous limit £350). a week later he attempted to use the card only for it to be declined. on calling ge and being transferred and on hold for approx 15 mins i explained ( to what can only be desribed as the woman from hell, rude would be complimentary to her), the customers problem. she refused to do anything and said the decline would not be reversed. i said that the customer had travelled a 60 mile round trip to make a large purchase and they were amazed that they had been declined. her answer was i travel that far every day for work love and then put the phone down on me. i then called a management complaints line which is for use as a last resort. eventually i was told that as the customer had no credit history to check they could not activate his account!!! why send him the card and the welcome pack then?why let him preload £400 onto his account? consequently i had to authorise 20% reduction discount for the customer so he could get the money off he had been entitled to if he had used his card. this was now at a cost to the store. i then offered to deliver an out of stock item to the customer. on arriving at their home and talking to them i see why they didn't have a credit history. Brand new property especially built for them, 5 bedrooms,all en-suite, brand new bmws each outside the triple garage. they didn't need credit, but as they said it became a matter of principle. they then had to wait for a week to 10 days for their £400 to be repaid into their bank account
the other biggy was that a customer who had opened a card and then deciding he wanted to cancel had major problems closing his account as he had not paid his bill. fair comment except he had purchased nothing. he received a letter of apology after 6 weeks of phone calls and letters to ge by both the customer and myself. a few days later he received a statement showing a £500 credit to his account. again he called, i called, he wrote, i called and when we eventually told ge he was going to spend the £500 they realised something was wrong. after investigating this it transpires that the £500 should have been credited to ANOTHER customers account as she was preloading her account for a large purchase!!! no doubt things will not improve as long as ge go for global domination of the store and credit card market.
i for one look forward to the day i can offer my customers the same level of customer service from ge that both i and my company and my customers expect from both myself and my staff.

Posted on 13 April 2008 at 6:54 PM

Karen45 said:

I have been having financial difficulties recently and even though I moved house 17 months ago and informed GE Money of this move on several occasions, they continued to send my mail to my previous address. Consequently I did not receive a letter informing me that they were seeking a County Court Judgement against me and that I had 14 days in which to reply. The letter was sitting at my previous address for days until the tenant decided to forward it to me! When I tried to explain this to their solicitors they said that this was irrelevant. I do not consider it to be irrelevant that they are sending sensitive and highly confidential mail to the wrong address do you? I have tried to settle my account offering an ex-gratia payment which I have sought a considerable amount of advise about and basically they do not want to know. They simply want to sue me! My dealings with them have never been pleasant so be careful especially if you move house or are experiencing financial difficulties.

Posted on 16 April 2008 at 2:25 PM

graham said:

just in the process of getting a mortgage from GE through a broker, and after reading the comments listed here, quite frankly i am shxxxxing myself. can anyone assure me/advise me what to do, do Ge have any good qualities?

Posted on 21 April 2008 at 5:36 PM

Porky12 said:

just in the process of getting a mortgage from GE through a broker, and after reading the comments listed here, quite frankly i am shxxxxing myself. can anyone assure me/advise me what to do, do Ge have any good qualities?

I would advise you to stay clear of GE, I have a loan with them and I did read things carefully but not carefully enough it seems.......I actually owe more to them after several years than I borrowed, can't afford to pay it all off at once so I can see me paying thousands in intrest before I get to finish. I was given credit by a company that use GE and was told how easy it is to pay off the debt quickly........wrong!!! tried several times to increase my payments but just got passed from pillar to post, in other words they need me to keep paying at the rate I am so as to cream as much money as possible, heaven forbid I pay off early and they loose money from a "valued" customer!!! stay away from that company, they do not deserve your custom

Posted on 2 May 2008 at 12:38 PM

graham said:

just been saved from the jaws of death !
the house didn't go through. i dont think i would have lived long enough...

Posted on 8 May 2008 at 11:25 AM

Chantel said:

Don't ever open a card backed by GE Money, unless you enjoy being lied to and charged unfairly!

I opened a Laura Asley card with them with a £1000 limit. They started my card with a charge of £931.26 and then, without me knowing that I charged a sofa for around £900. I never received a statement so I called to pay (I was 2 days late paying) and found out that I owed almost 2 grand! I had a late payment, extra account cover charges, and extra interest for what I charged which is fair, but also for what they started my card with! I ended up paying for extra, but didn't want any problems with being more late, etc.

I went the phone route, called Laura Ashley stores and customer service as GE tried to blame them and then spent the rest of my day and a few hours time on the phone again with GE Money. At the end of the debacle a supervisor told me I would receive a cheque for £62.20 in 7-10 days. I asked for his name and work id number, just in case.

I waited, no cheque, I called to try and find out and they said a cheque for £11 would be sent to me. I asked for another supervisor, waited and after eons was told it would be looked into and I would receive a "free callback" tomorrow, wooopeeee! By now I have only spent who knows what calling them! They are just so kind, aren't they!?

I got a call today, the woman wanted to know why I was angry about a £11 cheque being sent. I went through it all again, gave the details of the worker and asked if she could even see the notes, which she said she could. She informed me I was owed £22 and no more, lol! I said, "then it is okay for GE Money to lie to its customers?" and she said i"t wasn't a lie but the workers error". I said I was lied to as the cheque was not sent and a supervisor and worker both were wrong and she still said it wasn't a lie. I asked for her supervisor and one would have to call me back. I said it was not acceptable, I wanted this over and I wanted to end my card. She would not do anything and said no one was available.

I have cut my card, and will do with any other store cards I own from GE Money. A few extra points or certificates is not worth this nightmare and the money you will lose!

I am going to be complaining to Laura Ashley for using an appalling service like GE Money for their credit cards. I am going to send a letter to GE Money with my cut card, and I am curious if anyone would be interested in all of us getting together and starting a suit against them as this should not be allowed to continue. If you are interested please e-mail me at: gemon.lies@mail.com .

Posted on 9 May 2008 at 12:22 PM

Alvis Wright said:

DITTO - DITTO - DITTO- to all of you. I am about to write to GE money because although THEY had a problem accessing two payments by Direct Debit they did not see fit to notify me and when I contacted them by phone I could not convince the guy at the other end that no money had been taken from my account which I had checked constantly. He was convinced that payments had been received. Now like Bod my card was stopped and I had the embarrassment in Tesco's of paying by another means.

Posted on 12 May 2008 at 11:52 PM

Jamie said:

GE money have 10 million customers and a very small minority have serious problems, unfortunatly some people do and will have problems because that is a hug amount of people to deal with! I think that alot of peolpe exagerate with their storys and that if you are going to borrow money you should make sure you read your terms and conditions, carfully! If you dont screw with the creditors they wont screw with you, well except for the interest rates, but you would know that is what you will pay before borrowing. So the moral of the story is if you want to be stupid idiots and borrow money because you have no will power to save, then DONT GET CREDIT, simple.

Posted on 3 June 2008 at 2:35 PM

james said:

old now but if your account/sort code was incorrect the direct debit setup would have failed. Obviously the system checks to see if it is a valid bank account before it is activated, it wouldn't be possible to activate one from an invalid account number/sort code unless by coincidence it belonged to someone else, so yeah you were told a load of crap. If the setup does fail then a letter it sent out to inform you....so what happened with yours I don't know.

I'm not directing this at the original blog or comments but I can assure you that the majority of customers who do have an issue are in the wrong or have made the mistake - the problem the staff are too stupid to be able to explain/resolve it.

Yes I do work there and I can assure you that the average IQ most staff only just makes it into double figures. I really can't put into words how utterly incompetent and stupid 90% of the staff are.

Posted on 7 June 2008 at 9:01 PM

glynis said:

well i have also been slapped with a late payment and intrest when i have never been late paying. I did not receive my last statement in the post but was told not their problem just pay up. i complained and was told i would be refunded as a gesture of good will, but hey it was their mistake in the first place.
Big companies like this need to be named and shamed.

Posted on 27 June 2008 at 9:56 AM

GE Team Leader said:

Oh Well all I can say is yes I work for GE as a Team Leader in Collections. No most of the staff are not idiots. Most staff work part time and are studying for degrees so are not stupid people. BUT think about dealing with abusive, rude, customers all day long who dont understand what they have signed for on credit agreemtns and having to repeat yourself over and over and over and over again. Its not interesting work at the end of the day.

Lets all blame the credit crunch or irresponsible lending but people who get into finincial difficulties should maybe write down their out goings each month before signing for a card and thinking about the level of charges - if you dont like interest and late charges pay your bill in full on time. Thats what you agreed to after all.

Posted on 28 June 2008 at 12:35 PM

Griffin Mill said:

I usually shop at Topman and they have ALWAYS ALWAYS ALWAYS tried to get me to sign up to their card. I had tried to avoid it until one day another bit of pressuring occured when they insisted I'd get such a big discount on that day's purchase if I signed up, that I decided to go ahead. Big mistake

Paying off an amount every month is not enough. GE money phones and phones and phones and phones and phones demanding their money, and athey are only too happy to charge high interest and late fees when it was never arranged in the first place the exact date each month I would be making a payment.

The phonecalls are never=ending, and the threatening letters are an absolute nuisance.

It is not like I walked into Topman demanding that I sign up for this card, they made it such a hassle for me to repeatedly say "no" and bribed me so often, that I eventually relented. AVOID AT ALL COSTS.

Posted on 8 July 2008 at 11:39 PM

Anth Young said:

Pay your bills on time to the correct account number and stop trying to get things for free or over turned cos your too dumb to pay on time and you will not get any charges!!

Posted on 16 July 2008 at 3:07 PM

ROB said:

I've had a car loan with GE money for five years and in that time I have had what GE likes to call enforcment expences.of over $800 four times and have paid in full every time without question.because I have been late with payements so I have no problem with late fees if i'm late but 12 mnths ago I recieved an email stating I owed $1200 so I organized to pay it off which i did or so I thought apparently I owed $38 and instead of informing me they waited until it was back to $845 and said it was from (enforcement expences) when I queried it I was told they couldn't contact me even though my email and mobile no. and house no. have been the same for the life of the loan so I contacted finnacial advisor and when she contacted GE they said couldn't contact him she advised them no details had changed they claimed the expences were from when my car was reposesed and my car has always been in my possesion so she has got to the stage were she has closed the file because she cant get any sense out of them either no I am at the stage the car should have been paid for in full two mnths ago and I just recieved a letter to say I still owe $1100 I've tryed contacting Debt help line but answering machine:( there is also so many inconsistances in info and statements and after reading above letters I understand why every time you ring GE you get a different person if the only people they hire are uni students and there so interested in there degrees I also understand why they have no idea what your talking about or who you last spoke to or if that person even works for GE anymore I also now understand why they dont give a F##K

Posted on 5 August 2008 at 3:39 AM

John said:

Nightmare, yes I have GE nightmares. I had £43.43 debited to my card(GE PayPal) last January relating to a an item that I knew absolutely nothing about, three months later after many 'phone and letter conacts I finally got them to put the item on pending. I closed the account. A new card and account was received which I promptly cut the card and returned with instructions to close the account. This is the final straw, I have just received a letter saying that they have audited my old account and find that there is a debit of £21.01 (No mention of who) dated SEPTEMBER 2007 that they failed to transfer to the new account and that it will show on my next statement. What statement ?, the account is closed and I do not receive statements.
My other GE (Debenhams) has remained unused since March 2008 as I do not feel confident in its use.

Posted on 25 August 2008 at 8:38 AM

Sean said:

I missed a payment on a Debenhams card because the bill was wrapped in a Debenhams advertisement and it looked like junk mail. (Why do I think that may have been intentional?) OK my fault I suppose. Result, £12 late payment charge, interest, needlessly threatening letter. 0870 number to sort it out (see above comment about avoiding this with "say no to 0870" website). I feel mugged and contaminated just dealing with them, they are a nasty unpleasant operation. I am going to cancel all my GE cards.

Posted on 26 August 2008 at 9:09 AM

sam darby said:

i bought washing amchint wiv the misses in 2004 from conet sory comet ok we knew it was 0%over 9months we had baby etc forgot ok we split up last year ,im still paying aperently i have sofar made 22 late payments i paid £9.22 today 27/8/09 i should finish paying 8/3/09 paying total £566 for the machine ,ok fine you know wish we had been reminded and or rememberd to payoff ballance ,well of course ive got to pay the so 15x22 in late payment charges they never once asked me to pay last months payment ie i should pay 15+9.22 or £24.22p..no they are going to save it untill the end i ahve only been told this today27/8/08,in my agrement it dosnt say how much i must pay the late charges per month so im thinking of offering one pence per month ,problem is if they are going to charge 29% interest on the late payment charges this could have serious finacial consequences for my great great great grandchildren ,WHAT SHOULD I DO .

Posted on 27 August 2008 at 10:14 PM

Andrew Stevenson said:

Considering that GE have over 10 million customer's and having 30 customer's complaints on here doesn't seem to bad.
Can i just point out the only way a customer get's late payment charges is when they have missed a payment this is a fact. If customer sign for credit through any company and miss payment they will incur charges!!!!Can i point out GE charge £12 for late payment not £30 like your own bank will!!!!!!
I do agree that GE have got improvements to make but so has every company that deal with finance or any customer. Can i point out everyone complains everyday how many complaints do you have againgst your local supermarket foor example????
Alot of peoples complaints are about charges and interest to stop this happening pay your bill by your due date and pay it in full and no interest is charged finiance isn't a hard thing to understand purchase a item the next day pay it off in full then there would be no issues. I agree with one of the comments that if customer's and even stores ring the right number to get there complaint resolved the department would be able to resolve there issues in half the times and wouldn't have to PASS CALLS THROUGH AND PLACE CALLS ON HOLD (obviously rang the wrong department)
I do agree that GE could do more for customers but due to FSA regulations that all financial institutes have to follow this isn't always possible.
I have used GE for 3 years and i feel that the service i have recieved has been of a good standard.

Posted on 4 September 2008 at 12:05 PM

Andrew Bowden said:

Whilst I don't normally do this kind of thing, it's worth stating on the record that the previous comment came from a GE owned email address. GE is a big company with fingers in many pies, and it does not necessarily mean that the previous comment came from someone working for GE Money.

Posted on 4 September 2008 at 1:47 PM

ge collections advisor said:

i think every one on the website that has a complaint should really look at them-selvs. if you dont pay on time or to the right amout what do you expect, a charge - this is because GE incur that cost if this occurs. those of you who think you know your Ts and Cs read again!! - it is YOUR RESPONCIBILITY to pay on time and the correct amount. and it is also your responcibility to maintian your account - at the end of the day you all know that you have the credit, whether you change address or dont pay or dont fill in you direct debit form correctly you still have to pay every month on time.
and to the fool who previous described the staff at GE as idiots and because most are students they dont care - let me correct you, i am a student and work for GE, i come into contact with over 8000 account per month, most of which have a query to be resolved or looked into (some just simply want to pay). i gain great passion for working with my customers to find the resolution to their problems and ensuring that they know what is to happen next on their account. most customer simply require education about due amounts, dates and payment options.
alot of people are just out for what they can get - and like every other credit suplier we are not stupid and we can spot you all, so if you are on here complaining about a charge that you encured - whos fault truely is it??? yours i think!
each and every one of you are complaining because you dont like being told that you are wrong! and you are taking the time out of your sad and pathetic lives complaining about people who work dam hard to help people with their accounts - and help people who are no longer able to afford their credit make their situations easier.
please take the time to realise that the world does not revolve around you and that you are not the only person with a credit card - your not the only one to have been charged for a fault of your own either.
i wonder how many of you have taken the time to complain about other credit suppliers and indeed your own bank?? and i wonder how many of you, despite stating that you will never us GE again still have one of their products in your home?? (if you are going to answer no to this then look around do you have a TV, toaster, Elictricity or light bulbs- then your buying GE).
we have lots of different customers at GE - but i can quite safely say you lot come under the PIG IGNORANT group of customers. good news though you are a minority!!!
GROW UP AND TAKE SOME RESPONCIBILITY FOR YOUR OWN CREDIT AND STOP EXPECTING PEOPLE TO DO EVERY LITTLE THING FOR YOU!!

Posted on 6 September 2008 at 5:41 AM

Andrew Bowden said:

Wow. I'm glad not everyone at GE Money has the attitude they have. For the record "GE Collections Advisor", GE Money does make mistakes themselves sometimes - no company is ever perfect - and its attitudes like this that stop customers who have genuine grievances from getting them resolved in a proper, efficient manner.

Posted on 7 September 2008 at 7:53 AM

Don't trust GE Money said:

Don't trust GE Money's website.

I recently found I was unable to connect to GE Money from Debenhams' website to check my statements, even when I tried during low traffic periods (2am). After several days I finally managed to check my online statement and tried to pay my bill. The website 'hung' for some time before informing me that my payment was unsuccessful. I tried again and this time was successful, albeit too successful - the payment was debited twice!

I called GE Money using their freephone number from saynoto0870.com and the rsult of this was that I had to waste time travelling into my bank to fill out a form to claw back my own money, which I am still waiting for some 3 weeks later.

GE money's website is difficult to connect to (and this has nothing to with my Internet connection as I was able to 'ping' every other site I tried with success), and obviously buggy since no database should allow inconsistencies i.e. a payment should not proceed if an unsuccessful payment message is sent back to the user. This is known as 'atomicity' in database terminology and is one of the fundamental requirements of building a database that only a complete idiot would overlook.

So, in conclusion, do not trust payments using GE money's website. As soon as this matter is resolved I'm cancelling my card.

No wonder this site is 5th in google's rankings for the search string 'ge money'. I think I'll write GE Money again just to see if I can get it up to position number 4.... GE Money, GEMONEY! ;-)

Posted on 9 September 2008 at 7:47 PM

Grimbilino said:

What a f---n' laugh i've just had reading comments from GE employees. I'm Scottish, well from the Kingdom Of Fife actually. To put it politely you GE employees can't even fuckin' spell correctly. you all get my XXXXXXX blood pressure up. No wonder i don't call you. I'd rather take my dogs' for a walk than waste an hour on the 'phone to you dimwits'. Good fkin nite!

Posted on 10 September 2008 at 8:50 PM

Naz said:

I started to think i am at fault but reading all this has made me realise i'm not the only one ge are trying to rip off!!
Ge staff are illiterate people put there to take phone calls and pass them onto someone else and so on. I've been trying to sort out a late payment fee with ge that wasnt my fault, and what do you know? i've written letters, made numerous phonecalls to practically everyone in the department and all i get is another damn bill added with a new late payment fee!!!!

Posted on 13 September 2008 at 12:11 PM

Bob said:

Mr Grimbilino......

Trying to be clever regarding spelling and grammar? Isn't "I" a capital when referring to ones self? Yes I am a GE employee with an English language degree.

If you can't afford it, don't buy it, if you’re desperate for something and have no cash, see your bank, although you'll probably complain about them too. C'est la vie.

Posted on 13 September 2008 at 3:09 PM

Don't trust GE Money - TO BOB said:

Well then Bob, the GE employee with an English language degree, I suppose you forgot to use your grammar checker when you typed 'ones self', and you actually meant to type 'oneself' or 'one's self'?

And as for the 'if you can't afford it don't buy it' argument; many of the people here, myself included, only use their credit cart for Internet transactions due to the security provided. It has nothing to do with not being able to 'afford it'.

Besides, the fact that some people do get into debt does NOT excuse GE money from providing good customer service, as you implied. This is the sort of stupid reasoning that someone who has lost an argument resorts to.

Is it no wonder that GE Money has such bad press when it employs halfwits!

Posted on 13 September 2008 at 8:35 PM

Andrew Bowden said:

This is a heated topic and has taken off in ways I never expected.

However I would like to remind everyone to be nice and not to trade personal insults. I've recently deleted a couple of comments which came in which I felt had crossed the line (and I've spent much time trying to work out what has crossed the line and what has not). Deleting is far easier than me trying to edit posts to remove anything I consider dubious. Insulting corporations is fine - but targeting specific people is not. This does not mean you can't highlight something you consider to be a mistakes made by someone else in their comment (or indeed my post), however please do so in a careful and considered way.

If your comment hasn't appeared, you may wish to re-write and re-submit with this in mind.

It may also be worth re-mentioning the blog comments publishing policy - especially the bit which says "This website is not a free-for-all forum [and] does not guarantee freedom of speech."

Thanks.

Posted on 15 September 2008 at 11:37 PM

JC said:

My story is too long to put here and covers 6 years of hell with GE
Money.last week

They sent me a letter with my balance on it saying they were charging
me a £25.00 trace fee as they had to find me to send the letter. I had
already given them my new name and address 3 months before. Anyway, I
sent a cheque for the full amount the following day and then received a
letter saying I was still in arrears and thet they would be taking
further action if i didn't pay. I phoned them and was told that , yes,
they had received my payment and that i was now in credit!! They had
cancelled my charges as a "good will gesture"!!!??? Not likely. More
like they found the info i had sent them that they hadn't acted on!! I
can have a refund, but to have it in my new name i have to write to
them and supply a copy of my marriage certificate. More hassle!! I will
glad to see the back of GE Money as they don't know their arse from
their elbow!!! They are a real pain!!I would never recommend them to
anyone and they need to train their staff better to be able to read
correspondence that is sent to them for action.

Avoid GE Money at all costs!!!

Posted on 16 September 2008 at 10:58 AM

Catherine Howe said:

I have just spend 2 hrs trying to speak to someone about a refund that has not been credited to my account from last November, yes thats how long this has been going on for, and they have now had the cheek to send me a letter asking me to pay the amount again!
Its incredibly frustrating that you can't actually speak to someone, but are asked to put your complaint in writing!
They are rubbish and I feel really sorry for the poor call centre workers in India who get all the flak!
Phew I feel a bit better now!

Posted on 17 September 2008 at 11:57 AM

louise said:

HI louise again- Firstly I am a GE employee in the collections dept, secondly I would like to say that I am ashamed and embarrassed at the previous comments left by 'employees' I only wish i knew who these people were- ive worked there for 3 years while studying to be a teacher i thoroughly enjoy my work and i ensure every customer is happy at the end of a call with me no matter what the issue. as previous comments- the spelling mistakes from 'ge staff' is shocking and perhaps the issue isnt with the company itself but more like the recruitment process!!!! apologies to all on behalf of GE Money- if you are not satisfied with the outcome of your call request it to be escalated- you'll speak to a Team leader if your still not happy this can go to our complaints team and 8/10 you'll get your way right or wrong!!! to JC- check that your credit ratings not been affected by the trace letter as for us to send this to you your acc would normally be in arrears for minimum of 2 months- good luck to all n more importantly know your rights if you speak to someone crap in GE- dont accept it !!!!!

Posted on 18 September 2008 at 11:52 PM

naz said:

I do'nt think its fair to say ALL the staff at ge are not doing their job properly. Its unfortunate how the wrong people get the stick for the incompetence and unproffessional behaviour of others.

But ge is so disorganised its unbelievable, I have been in magaement myself and everyone knows that disorganisation of an organisation or company is down to management.

So what is ge management doing?

If a bill is sent out a customer, where are the contacts or numbers for help or advise from the company? the direct address for complaints? the direct phoneline for help, advise or complaints? and i mean a direct line and not just an automated service where the customer has to hang up after the end of the call without speaking to a proffessional and capable staff member because there isnt one in the end.

Thanks for the comment from ge staff member on "if you cant afford it, dont buy it"
well let me tell you i'm a health proffessional on 50+k a year. I can afford it, but why should anyone have to pay for your incompetence? and for that attitude and service??? NO THANKYOU. But money doesnt grow on trees and for your information we all work hard for every penny, so we have the right to qeustion when its wasted.

Posted on 19 September 2008 at 11:16 AM

naz said:

I do'nt think its fair to say ALL the staff at ge are not doing their job properly. Its unfortunate how the wrong people get the stick for the incompetence and unproffessional behaviour of others.

But ge is so disorganised its unbelievable, I have been in magaement myself and everyone knows that disorganisation of an organisation or company is down to management.

So what is ge management doing?

If a bill is sent out a customer, where are the contacts or numbers for help or advise from the company? the direct address for complaints? the direct phoneline for help, advise or complaints? and i mean a direct line and not just an automated service where the customer has to hang up after the end of the call without speaking to a proffessional and capable staff member because there isnt one in the end.

Thanks for the comment from ge staff member on "if you cant afford it, dont buy it"
well let me tell you i'm a health proffessional on 50+k a year. I can afford it, but why should anyone have to pay for your incompetence? and for that attitude and service??? NO THANKYOU. But money doesnt grow on trees and for your information we all work hard for every penny, so we have the right to qeustion when its wasted.

Posted on 19 September 2008 at 11:19 AM

Catherine Howe said:

Having spent most of the day on the 'phone to various GE emplyees both in India and in the UK I finally managed to speak to someone helpful, he even tracked down the person who had written the letter to me and told him what he thought of him!
I have now been assured that my account has been cleared ''as a gesture of goodwill'', so I still couldn't get them to admit they'd made a mistake!
My advice is to really make a fuss and refuse to be fobbed off with them telling you to put your complaint in writing, I told them I wanted it sorted that day and they got someone to 'phone me back so it was their 'phone bill!

Posted on 19 September 2008 at 11:28 AM