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TSB breach of loan agreement?
I have a loan with TSB.
One of the features of the loan is the ability to take two repayment holidays a year.
I have only tried to take one repayment holiday before and that was at the time of their online banking system breakdown so I assumed the reason I couldn't apply for one was due to their issues.
That was until today when I tried to apply for a repayment holiday for this month. When I go to put in my password I get this message:
"We're sorry, but the details you entered aren't in the right format. Please check them and try again"
This was the same message I got when I previously tried to take a repayment holiday. I've tried different net browsers, the app and my phones browser but I get the same message with each one so it is not a browser compatibility issue and must be at their end.
If they sold me a loan with a repayment holiday feature but have not provided me with the actual goods where do I stand? Would I have grounds for claiming I have been miss-sold a product?
I have yet to speak with them but I intend on doing so tomorrow I just wanted to get a heads up as to my rights if they say they cant give me a repayment holiday over the phone and I cant apply for one through my online bank.
Any help or advice would be appreciated.
One of the features of the loan is the ability to take two repayment holidays a year.
I have only tried to take one repayment holiday before and that was at the time of their online banking system breakdown so I assumed the reason I couldn't apply for one was due to their issues.
That was until today when I tried to apply for a repayment holiday for this month. When I go to put in my password I get this message:
"We're sorry, but the details you entered aren't in the right format. Please check them and try again"
This was the same message I got when I previously tried to take a repayment holiday. I've tried different net browsers, the app and my phones browser but I get the same message with each one so it is not a browser compatibility issue and must be at their end.
If they sold me a loan with a repayment holiday feature but have not provided me with the actual goods where do I stand? Would I have grounds for claiming I have been miss-sold a product?
I have yet to speak with them but I intend on doing so tomorrow I just wanted to get a heads up as to my rights if they say they cant give me a repayment holiday over the phone and I cant apply for one through my online bank.
Any help or advice would be appreciated.
0
Comments
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It sounds like what you think is the password isn't. You need to speak to them to find out.
Inability to access a feature because you do not have the correct password is not a breach of the agreement.0 -
Until you know the reason you are unable to access no one can give you any further advice... contact TSB see what they say and take it from there0
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A simple phone call to their loans department will put you right.
Just make sure you give them enough time to put the repayment holiday in place.0
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