I made 3 payments in one month to pay off my account. My statement showed no payment was due when it came in. I had a tragedy happen in my life that month and did not make a payment. I knew I had a 30.00 balance on my account and would pay it off the next month. I went to go make my payment and they had charged me a 28.00 late payment fee. I contacted the company and they say they do not allow pre- payments. Care Credit Card is not a bargain and I recommend for people to go without than to deal with these scam artist.

As you all know without knowing much about the interest details, these guys make us come to their office and with honey suckled tongue they give all the promises. This was what happened to me around 3 years while I received the loan from these crooks.

I paid the loan for 32 months. Las 4 months i had genuine problems. I explained and told the guys that I would certainly make the payment in full in two months. I did send a registered letter to all their offices. They kept quiet. Meanwhile they demanded twice the amount I owed and gave fantastic reasons. I did bargain and made the payment. This was in 6th Feb 2008.

I got a letter on the spot that the settlement has been made under special circumstances and i would be receiving the NOC shortly.

Guys, I do not understand the word "Shortly".

When you owe an EMI these guys rush in and make a hue and cry for the payment. But when you have paid the amount till last paise, they do not care to send the NOC. They are least bothered. (June 2008) Meanwhile I had to go in for an Education loan. I applied in a Bank and waited for the outcome. They said due to the unsettled Personal loan with GE Money the loan has been rejected. I rushed to GE Money and they calmly said that "Yes. You did not pay the EMIs and hence we had to report to CIBIL."

I requested them for the NOC. After various requests and visits they finally gave the NOC. I do not know how many times I visited their Branch, how many times I called them, how many time I sent an email to them, how many times I sent letters to them...

I also called CIBIL and found that GE Money had sent my name and other details to be published as a defaulter. CIBIL people told that unless they get a letter from GE Money they would not be able to update the details. Till such time my name would show as a defaulter whenever any financial institution checks if I apply for any loan. Even today (29th Aug 2008 - 4.30 pm) I had sent an email to GE Money, asking them to send the updation to CIBIL. They have not sent any updation for the last SIX months it seems.

What the Hell it is? Having paid the amount due to them, its like calling myself as a defaulter till they wish to update. Its ridiculous. I am going to take LEGAL action against GE Money if my loan details are not updated within a week, thats what i have said in the mail. And I am planning to do so.

GE Money gives poor customer service and a representative told me that he was not there to give customer service. I was appalled! CUSTOMERS PAY HIS SALARY!!! GE Money is impossible to work with and I will never do business with them again. I would highly recommend that no one else does either!! They've shown me that they're out to sucker people!!

My father passed away suddenly in Sept. 07. As executor, I settled with his creditors and thought I was done with them. Unfortunately, I later made the mistake of returning a new product my father had purchased just a week prior to his death. The company had a policy of crediting the credit card rather than sending the money directly to me. I didn't think that would be a problem and that since GE was so ready to take my money they'd be forthcoming with the refund. Ha!

Since February, I have been trying to get the refund from GE Money Bank. I have written 3 letters, made several phone calls, and am now seeking legal support in this matter.

If I've learned anything as an executor of an estate, it's to ignore the credit cards and pay them after everything else is done. BUT I'm a "good consumer."

If only I didn't settle my father's account! Now, I have to tolerate the condescension and ignorance of the GE Probate department. Their intimidation practices run the gamut from the commanding message to silence when put on hold. There's not one person in this office that can give me a definitive answer.

I gather that the only way I'll get their attention is by hiring an attorney and suing GE Money Bank.

Ge Money is the company which controls the financial operations of store cards issued by the Debenham's stores in the UK (slogan: "Debenham's - the UK's Favourite Department Store").

Debenham's is a reputable retailer selling good / high-quality /good value merchandise of all kinds. But their reputation is tarnished somewhat by the problems that some customers - myself included - have had with errors / miscalculations on their store card accounts. Closed accounts left open; a refusal to answer letters sent to their "Head of Collections" (an "A. Hall" - Man? Woman?); letters sent to customers containing theats of legal action; intimidating phone-calls to customers at week-ends; and so on. All features of the GE house-style of business. Is it incompetence? Dishonesty? You decide. Either way, the customer loses out.

GE Money's name in the UK is not good - check out a Google search of (say) "GE Money" dishonest; or "GE Money" scam - and a clear picture emerges.

Debenham's (and other reputable retailers) must, eventually, realise the damage that GE are doing to the reputation of their stores' cards, and act accordingly by severing links with them. The retailers - and their customers - deserve better.

Seb.