Key consumer lending businesses of GE Money are missing targets this year.Balance growth on Wizard mortgages, Aussie personal loans and Myer Black charge cards - all GE funded products - are all below budget, and Wizard, the only long-term business of the three is producing top line results that are worse than last year.There are two reasons for the results of Wizard, a business bought by GE in late 2004. One is execution, with a strong brand failing to convert into leads and then settlements. And then sub-prime really took off as a problem in the third quarter of this year, leading to a tightening of credit standards across all businesses of GE Capital.Wizard Home Loans is tracking underneath 2006 outcomes on many management metrics. Loan settlements are off by one seventh and leads by forty per cent. Even though Wizard outranks all mortgage brands on the internet, customers often won't pick up the phone.Monthly settlements for Wizard were in the order of $400 million a month in the middle of the year before the credit crunch hit. Wizard has limited interest rate rises since then to rises in the cash rate, in common with the stance of many banks.Growth in the Wizard business this year has been in the area of home loans originated on behalf of other lenders, with Wizard acting as broker. Known as Borrower's Choice, around a quarter of all new business originated through the Wizard network is loans for other lenders.Wizard may also be disappointed with the performance of its network of around 200 outlets. The number of exits of Wizard licencees slightly exceeds entries this year. GE Money is also seeking to negotiate to convert existing licence agreements to franchise agreements, a process begun earlier this year.Average sales and settlements per outlet per month this year are in the order of $2 million across the Wizard network, a sales result believed to be below comparable networks for other prominent home loan brands.Aussie Home Loans and GE Money have had trouble bedding down their personal loan partnership. Aussie launched a car loan in October, offering secured and unsecured personal loans starting at 8.29 per cent. The loans are sold with an application fee ($149 for secured, $249 for unsecured) but no monthly servicing fee. GE is the customer service provider as well as the funder. There have been problems from the outset, most of them occurring in GE's customer service centre in Parramatta, west of Sydney. Three months into the partnership problems continue.And the talk is that spending on the Myer Black card is disappointing as the charge card approaches the end of its second Christmas season.Asked to comment yesterday, Geoff Lynch, corporate affairs manager at GE Money Australia and New Zealand didn't tackle the central issue raised but did say, "We have had a solid year across all our products. Wizard and personal loan assets are seeing double digit growth year on year."The Myer Black card has been very successful in its first year