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Your rights when an account is in dispuite
crazyhaggid
Posts: 159 Forumite
I requested a copy of my original CA from Cabot who failed to provide me with this within the required time, it was my understanding that this then put the account into dispute which meant they could not add any further interest or charges to it.
I have now taken my complaint to the rather useless ombudsman, who in their reply to me said "I have considered your comments regarding the freezing of interest and would say firstly that I am unaware of any requirement on Cabot to freeze interest and/or charges."
Who's correct?
And could anyone quote any particular laws so I can 'remind' the ombudsman in my reply
I have now taken my complaint to the rather useless ombudsman, who in their reply to me said "I have considered your comments regarding the freezing of interest and would say firstly that I am unaware of any requirement on Cabot to freeze interest and/or charges."
Who's correct?
And could anyone quote any particular laws so I can 'remind' the ombudsman in my reply
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Comments
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grr can't sleep getting angry about them! Hate the way they're late in supplying me with a poor copy of my CA but they don't get reprimanded. I bet if i paid my council tax that late something bad would happen.0
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anyone care to offer any advise on this?0
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At the end of the day AFAIK there is no legal obligation for any creditor to freeze the interest.
Sorry, I know this is not what you want to hear.I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.
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One debt remaining. Home improvement loan.0 -
See this thread also http://forums.moneysavingexpert.com/showthread.html?t=1461815, with responses.If you've have not made a mistake, you've made nothing0
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