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  • JD WILLIAMS

    Beware - JD Williams increased interest rate from 38.8% TO 58.8% check your statements, and have you been informed by letter previously??
    I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

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  • #2
    I have an account with them and have not heard from them is 12 months, apart from emails trying to get me to take out a credit card at 44%,

    Shop direct keep sending emails for me to buy now pay later, so if I can't pay it off before the 12 months is up, I pay more in interest than the thing I was buying cost,
    I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

    If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

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    • #3
      after complaint to JD Williams aka Brown, they reiterate as per CCA1974 they can increase as they see fit Rates, also when brought to their attention Conc rules that notification to customer with a time limit to either accept or decline and close account must be given etc they ignore content hence no reply.

      also is pointed out that a reason for any increase must be given if asked, - ignored. all payments up to date never missed one,. so called letter final response.
      Last edited by The Tech Clerk; 30th November 2018, 14:47.
      I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

      If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

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      • #4
        they sent a final letter well did not state final but referred to it as final, passed to FCA complaints - bet nothing happens from them/
        Last edited by The Tech Clerk; 30th November 2018, 21:13.
        I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

        If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

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        • #5


          6th December 2018 = Thank you for contacting the ombudsman. We’ll look carefully into everything you’ve sent us - and will get back to you within the next four weeks to let you know how we can help.

          If we need anything else from you, we’ll let you know - and if you want to send us any other information in the meantime, please use our reference xxxxxxxxx
          We don’t need you to send original documents at this stage - copies are just fine.
          Last edited by The Tech Clerk; 8th December 2018, 20:42.
          I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

          If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

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