Agreement to pay - inaccurate information?

MEM62

BeccaJoanne wrote: »

You don’t know my personal circumstances so I don’t need a lecture; I came here for advice on what AP means etc. I’m a full time carer for a parent with cancer, it hit us hard financially after very serious complications and long hospital stays/delayed chemotherapy and we’re still recovering.

I’m not thick, I would have a back up if I could, I’m balancing a lot of serious things and studying a full time masters in Law and working self employed full time. I’ve got a lot to balance and finish and work on for the next 4/5 months and then things will get a bit easier and that might be an option, but you don’t know the ins and outs. Sorry to be abrupt but I find it a little condescending that people don’t want to give advice over what I asked for; rather than discuss the companies refusal for transcripts or anything I mentioned in the post etc and give advice, all anyone is doing is jumping on to lecture me about things I already know - It’s not as if I don’t realise my personal circumstances. I live them, so I would appreciate if the advice i regarding wether the information is inaccurate/whether the company should have told me at the time/where I stand legally, please refrain from lecturing on personal issues. Thanks .

The three sentences in my post hardly constitutes a lecture.

You are absolutely right, I do not know you or your circumstances. Therefore, my post was offered in good faith and intended to be helpful in the event that you had not considered these points. If you already had then all well and good. If not, it would have been something for you to think about. You certainly were not lectured.

YorkshireBoy

Willing2Learn wrote: »

...a creditor will make the customer aware that the temporary arrangement will be recorded on their credit file...

Willing2Learn wrote: »

The ICO guidance says that the creditor should have advised the customer that the temporary arrangement would be recorded on their credit files.

With respect, I think you may be building up the OP's hopes with these continuing statements. We've already determined that the FAQs "advise" the customer what will happen. I can't find the T&Cs but they will almost certainly say the same. The OP has not yet reported whether they do or don't. Either they haven't checked yet (I'm puzzled as to why not), or they have and it's not what they wanted to read.

[Deleted User]

Guidance is guidance.
Rules are rules.

The ICO “recommendations” are “guidance” only.

Willing2Learn

I'm not trying to build up anyone's hopes. With threads like this, I just try and put myself in the OPs shoes and then post what I would do from their perspective. IMHO, the guidance is just about the only supporting argument that the OP has. (And yes I'm aware it is only guidance)

[Deleted User]

Willing2Learn wrote: »

I'm not trying to build up anyone's hopes. With threads like this, I just try and put myself in the OPs shoes and then post what I would do from their perspective. IMHO, the guidance is just about the only supporting argument that the OP has. (And yes I'm aware it is only guidance)

If I was in the OP’s shoes, I’d think to myself “well I made a mistake and now I’ll learn from it and not let it happen again”.