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Re: Unenforceability Help Required
Literally just won at FOS against this crowd.
Our problem was they did not default us even when the card had been taken off us and were showing AP's 1,2,3,4,5 and then AP's again. We couldnt use the account but they claimed i was still fully operational.
They were charging interest and charges during this time. Paid it off and then decided to try and get a default back to when all our problems started thus removing all the crappy trailing information.
After 6 months at FOS we have an Ombudsmans decision that should be literally about now where they have made them retrospectively default back 4 years plus they have awarded us all the interest and charges that should not have been levied post the default.
Ombudsman slammed Halifax for not following ICO rules as to what a default was after Halifax said it wasnt a default according to their rules. If there is a breakdown between creditor and client then that seems to have been good enough for our ombudsman to rule against them and got us all that post default interest and charges back.
Like you everyone else bar Halifax seemed to play ball and stop this aspect. This shower just kept the debt the same whatever you did until they got the money.
Absolute shower they are.
Literally just won at FOS against this crowd.
Our problem was they did not default us even when the card had been taken off us and were showing AP's 1,2,3,4,5 and then AP's again. We couldnt use the account but they claimed i was still fully operational.
They were charging interest and charges during this time. Paid it off and then decided to try and get a default back to when all our problems started thus removing all the crappy trailing information.
After 6 months at FOS we have an Ombudsmans decision that should be literally about now where they have made them retrospectively default back 4 years plus they have awarded us all the interest and charges that should not have been levied post the default.
Ombudsman slammed Halifax for not following ICO rules as to what a default was after Halifax said it wasnt a default according to their rules. If there is a breakdown between creditor and client then that seems to have been good enough for our ombudsman to rule against them and got us all that post default interest and charges back.
Like you everyone else bar Halifax seemed to play ball and stop this aspect. This shower just kept the debt the same whatever you did until they got the money.
Absolute shower they are.
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