Fos has refused to uphold my complaint

~Brock~

mosdee wrote: »

For these who agree with CONSUMER REVENGE, I look forward to your response and advice.

Oh bejeesus, get a grip man.

never-in-doubt

R0bert_Sterling wrote: »

Hoorrraayyy, Sense at last:D:D:D:D

Never-in-doubt will be along in a minute with a rambling 12 page reply wittering about taking it further..."fight them on the beaches!!" and calling everyone else moral fcukwits.

funny fcukker aren't we.... :rolleyes::rolleyes:

You mean to say NID will be along shortly to clarify the law...? As it happens NID doesn't agree with this anyway! I argue where the bank has acted irresponsible.

never-in-doubt

mosdee wrote: »

For these who agree with CONSUMER REVENGE, I look forward to your response and advice.

Go to another site, just google consumer revenge - there are a few to select from :rolleyes: You miss the point that there is nothing you can do - accept it and move on.

PNPSUKNET

how dare the fso do this to you, the legal requirement for docs is 6 years by law. the second was refunded and the 3rd didnt have ppi, if you had a credit account with my company I would stop your account without a blink. get a life

RobertoMoir

mosdee wrote: »

Thank you everyone who has made a comment or advice.

It seems everyone that has responded is "banker"! ha ha ha.

Yes when the whole world disagrees with you then clearly it is the whole world that is wrong *facepalm*! ha ha ha.

fermi

http://www.financial-ombudsman.org.uk/publications/ombudsman-news/81/81-debt-collecting.htm

eschaton

mosdee wrote: »

Thank you everyone who has made a comment or advice.

It seems everyone that has responded is "banker"! ha ha ha

For these who agree with CONSUMER REVENGE, I look forward to your response and advice.

You sound like something that resembles a 'banker'.

My advice would be pay what you owe and !!!!!!.

For_Keeps

A simple no there is nothing you can do but keep up your payments would have sufficed

MrsTinks

Actually NID and I rarely agree (infact we agree to disagree very often don't we NID? ) - I often take a moral (according to MY morals btw) stand point - NID a more technical by law stand. So if NID says "dream on sonnyboy"... trust me you haven't got any hope of winning this
This isn't about consumer revenge... where exactly has the bank done wrong (that they haven't already corrected) ?
Yes they have locked your accounts - this is normal and legal practise if you stop paying one of your debts with them... open a new account with a bank you don't owe any money to.
If you can't repay the loan amounts then please contact one of the free debt charities in my signature - they will be able to help your.
If you can repay the loan... (apart from the obvious "why on earth didn't you??") then contact the bank and start making arrangements to repay the payments you are behind and the running payments.

You won't get out of paying this loan so coming to an agreement with your bank as soon as possible is in your interest.
The really bad news is that your credit rating will probably be shot for up to 6 years as a result of this...

never-in-doubt

MrsTine wrote: »

Actually NID and I rarely agree (infact we agree to disagree very often don't we NID? )

Ahem - yes Boss (I know my place, i'm on my knees looking at the floor right now like the bad boy I am)..... :shocked::shocked:

MrsTine wrote: »

You won't get out of paying this loan so coming to an agreement with your bank as soon as possible is in your interest. The really bad news is that your credit rating will probably be shot for up to 6 years as a result of this...

Exactly, the OP would be better accepting the bank has done nothing wrong (shock horror - 1st time for everything I s'pose lol) and moving toward some sort of repayment plan - your sig provides the appropriate links

As for his credit file, pah - he needs to spend some time learning about credit and so he'll have 6 years practice