Default on file whilst Ombudsman investigated a dispute

fusionx212

Rocaaro, can you involve trading standards for mis selling products. You can still ask to go the ombudsman above the adjudicator.

Did you have a phone call with them ??

Rocarro

Yes, I'm going to take it to the ombudsman. I just don't think the assessor has looked at my case fully or objectively. Eg
1. She's spoken to Citroen who have said the charges reflect their anticipated depreciation in the vehicle. She's not commented at all on my complaint in respect of them moving the boundaries in terms of invoking new and different criteria for assessing the fair wear and tear. Her answer? Citroen are in the right because they've told me they are. So they are.
2. No comment at all on the credit file issue.
3. Refuses to consider the issue I've raised about the service plan because that's an agreement between me and Evans Halshaw. I don't get it.... They're Citroen 's registered dealership so on the one hand they can be considered to be acting on behalf of Citroen in terms of selling, advising on and drawing up the lease contract but not when it comes to sorting out the service plan? Granted, this was sold as a separate product but, given this was all purchased in one session I would have thought I could have relied on what the dealership was telling me I needed to do to ensure I complied with the terms of the lease contract that they had just signed me up to!

At the very least I had hoped that the FOS's assessor would have recommended that Citroen place no further adverse markers on my credit file whilst I try to resolve a three way bun fight but no, she says Citroen don't have to do anything!

In terms of the ICO, yes I called them. I just wanted to check that my understanding of 'fees and charges' in respect of their advice around what cannot be registered as a default is correct and the same as their's. It was a bit of a pointless exercise though because the person I spoke to was unaware of their advice on the matter (ie their 'principles for recording arrears, arrangements and defaults with the CRAs' doc).

It shouldn't be this hard!

I noticed that the OP who has posted a similar issue in respect of E.On using the CRAs as leverage over him/her has written to Watchdog. I wonder if there is mileage in more of us on this forum clubbing together to address the more generic issue (as GingerBob describes it) of big businesses' CRA abuse? Maybe we could start a bit of a petition?
Any takers for a more coordinated approach to this?