Payment holiday AP marker
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Deleted_User said:MattMattMattUK said:Deleted_User said:Jeremy535897 said:I wonder whether they have treated the refund of the payment as a "new arrangement", despite the fact that they have caused the problem in the first place. You will have to contact them to get them to explain why this has happened, and how they will deal with it.Deleted_User said:Im scared other banks will close my accounts or reduce my credit lines.Deleted_User said:
Im now wondering weather nationwide have breached the loan arrangement in its entirity, the FCA in my opinion should investagate nationwide,Deleted_User said:
I should not have to face financial ruin because of their incompetance.Deleted_User said:
I took a loan of £6800 a year and a half ago and the balance is now £2500, they should be made to write off the rest as they have broken the rules.Deleted_User said:
I should be due compensation dont think thats unresonable and if the FCA are setting these rules then its not absurd to expect them to step in when errors are being made !
https://www.financial-ombudsman.org.uk/consumers/how-to-complain
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MattMattMattUK said:Deleted_User said:MattMattMattUK said:Deleted_User said:Jeremy535897 said:I wonder whether they have treated the refund of the payment as a "new arrangement", despite the fact that they have caused the problem in the first place. You will have to contact them to get them to explain why this has happened, and how they will deal with it.Deleted_User said:Im scared other banks will close my accounts or reduce my credit lines.Deleted_User said:
Im now wondering weather nationwide have breached the loan arrangement in its entirity, the FCA in my opinion should investagate nationwide,Deleted_User said:
I should not have to face financial ruin because of their incompetance.Deleted_User said:
I took a loan of £6800 a year and a half ago and the balance is now £2500, they should be made to write off the rest as they have broken the rules.Deleted_User said:
I should be due compensation dont think thats unresonable and if the FCA are setting these rules then its not absurd to expect them to step in when errors are being made !
https://www.financial-ombudsman.org.uk/consumers/how-to-complain0 -
Deleted_User said:MattMattMattUK said:Deleted_User said:MattMattMattUK said:Deleted_User said:Jeremy535897 said:I wonder whether they have treated the refund of the payment as a "new arrangement", despite the fact that they have caused the problem in the first place. You will have to contact them to get them to explain why this has happened, and how they will deal with it.Deleted_User said:Im scared other banks will close my accounts or reduce my credit lines.Deleted_User said:
Im now wondering weather nationwide have breached the loan arrangement in its entirity, the FCA in my opinion should investagate nationwide,Deleted_User said:
I should not have to face financial ruin because of their incompetance.Deleted_User said:
I took a loan of £6800 a year and a half ago and the balance is now £2500, they should be made to write off the rest as they have broken the rules.Deleted_User said:
I should be due compensation dont think thats unresonable and if the FCA are setting these rules then its not absurd to expect them to step in when errors are being made !
https://www.financial-ombudsman.org.uk/consumers/how-to-complain0 -
MattMattMattUK said:Deleted_User said:MattMattMattUK said:Deleted_User said:MattMattMattUK said:Deleted_User said:Jeremy535897 said:I wonder whether they have treated the refund of the payment as a "new arrangement", despite the fact that they have caused the problem in the first place. You will have to contact them to get them to explain why this has happened, and how they will deal with it.Deleted_User said:Im scared other banks will close my accounts or reduce my credit lines.Deleted_User said:
Im now wondering weather nationwide have breached the loan arrangement in its entirity, the FCA in my opinion should investagate nationwide,Deleted_User said:
I should not have to face financial ruin because of their incompetance.Deleted_User said:
I took a loan of £6800 a year and a half ago and the balance is now £2500, they should be made to write off the rest as they have broken the rules.Deleted_User said:
I should be due compensation dont think thats unresonable and if the FCA are setting these rules then its not absurd to expect them to step in when errors are being made !
https://www.financial-ombudsman.org.uk/consumers/how-to-complain1 -
MattMattMattUK said:Deleted_User said:MattMattMattUK said:Deleted_User said:MattMattMattUK said:Deleted_User said:Jeremy535897 said:I wonder whether they have treated the refund of the payment as a "new arrangement", despite the fact that they have caused the problem in the first place. You will have to contact them to get them to explain why this has happened, and how they will deal with it.Deleted_User said:Im scared other banks will close my accounts or reduce my credit lines.Deleted_User said:
Im now wondering weather nationwide have breached the loan arrangement in its entirity, the FCA in my opinion should investagate nationwide,Deleted_User said:
I should not have to face financial ruin because of their incompetance.Deleted_User said:
I took a loan of £6800 a year and a half ago and the balance is now £2500, they should be made to write off the rest as they have broken the rules.Deleted_User said:
I should be due compensation dont think thats unresonable and if the FCA are setting these rules then its not absurd to expect them to step in when errors are being made !
https://www.financial-ombudsman.org.uk/consumers/how-to-complainMattMattMattUK said:Deleted_User said:MattMattMattUK said:Deleted_User said:MattMattMattUK said:Deleted_User said:Jeremy535897 said:I wonder whether they have treated the refund of the payment as a "new arrangement", despite the fact that they have caused the problem in the first place. You will have to contact them to get them to explain why this has happened, and how they will deal with it.Deleted_User said:Im scared other banks will close my accounts or reduce my credit lines.Deleted_User said:
Im now wondering weather nationwide have breached the loan arrangement in its entirity, the FCA in my opinion should investagate nationwide,Deleted_User said:
I should not have to face financial ruin because of their incompetance.Deleted_User said:
I took a loan of £6800 a year and a half ago and the balance is now £2500, they should be made to write off the rest as they have broken the rules.Deleted_User said:
I should be due compensation dont think thats unresonable and if the FCA are setting these rules then its not absurd to expect them to step in when errors are being made !
https://www.financial-ombudsman.org.uk/consumers/how-to-complain
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sparklep0ny said:MattMattMattUK said:Deleted_User said:MattMattMattUK said:Deleted_User said:MattMattMattUK said:Deleted_User said:Jeremy535897 said:I wonder whether they have treated the refund of the payment as a "new arrangement", despite the fact that they have caused the problem in the first place. You will have to contact them to get them to explain why this has happened, and how they will deal with it.Deleted_User said:Im scared other banks will close my accounts or reduce my credit lines.Deleted_User said:
Im now wondering weather nationwide have breached the loan arrangement in its entirity, the FCA in my opinion should investagate nationwide,Deleted_User said:
I should not have to face financial ruin because of their incompetance.Deleted_User said:
I took a loan of £6800 a year and a half ago and the balance is now £2500, they should be made to write off the rest as they have broken the rules.Deleted_User said:
I should be due compensation dont think thats unresonable and if the FCA are setting these rules then its not absurd to expect them to step in when errors are being made !
https://www.financial-ombudsman.org.uk/consumers/how-to-complain0 -
Deleted_User said:MattMattMattUK said:Deleted_User said:MattMattMattUK said:Deleted_User said:MattMattMattUK said:Deleted_User said:Jeremy535897 said:I wonder whether they have treated the refund of the payment as a "new arrangement", despite the fact that they have caused the problem in the first place. You will have to contact them to get them to explain why this has happened, and how they will deal with it.Deleted_User said:Im scared other banks will close my accounts or reduce my credit lines.Deleted_User said:
Im now wondering weather nationwide have breached the loan arrangement in its entirity, the FCA in my opinion should investagate nationwide,Deleted_User said:
I should not have to face financial ruin because of their incompetance.Deleted_User said:
I took a loan of £6800 a year and a half ago and the balance is now £2500, they should be made to write off the rest as they have broken the rules.Deleted_User said:
I should be due compensation dont think thats unresonable and if the FCA are setting these rules then its not absurd to expect them to step in when errors are being made !
https://www.financial-ombudsman.org.uk/consumers/how-to-complainMattMattMattUK said:Deleted_User said:MattMattMattUK said:Deleted_User said:MattMattMattUK said:Deleted_User said:Jeremy535897 said:I wonder whether they have treated the refund of the payment as a "new arrangement", despite the fact that they have caused the problem in the first place. You will have to contact them to get them to explain why this has happened, and how they will deal with it.Deleted_User said:Im scared other banks will close my accounts or reduce my credit lines.Deleted_User said:
Im now wondering weather nationwide have breached the loan arrangement in its entirity, the FCA in my opinion should investagate nationwide,Deleted_User said:
I should not have to face financial ruin because of their incompetance.Deleted_User said:
I took a loan of £6800 a year and a half ago and the balance is now £2500, they should be made to write off the rest as they have broken the rules.Deleted_User said:
I should be due compensation dont think thats unresonable and if the FCA are setting these rules then its not absurd to expect them to step in when errors are being made !
https://www.financial-ombudsman.org.uk/consumers/how-to-complain
As Sparkle Pony has said other financial institutions will also be aware of your payment holiday and will take their lending decisions accordingly.
You need to look at this rationally, the incorrect marker will be amended in a week or two, the marker itself (rather than the payment holiday) will have no impact and neither will cause you material loss. You are not entitled to any compensation/free money, certainly not to have a £2,500 loan written off, although you might get a "shut up and go away" gesture of good will in the £10-50 range.0 -
sparklep0ny said:Deleted_User said:MattMattMattUK said:Deleted_User said:Jeremy535897 said:I wonder whether they have treated the refund of the payment as a "new arrangement", despite the fact that they have caused the problem in the first place. You will have to contact them to get them to explain why this has happened, and how they will deal with it.Deleted_User said:Im scared other banks will close my accounts or reduce my credit lines.Deleted_User said:
Im now wondering weather nationwide have breached the loan arrangement in its entirity, the FCA in my opinion should investagate nationwide,Deleted_User said:
I should not have to face financial ruin because of their incompetance.Deleted_User said:
I took a loan of £6800 a year and a half ago and the balance is now £2500, they should be made to write off the rest as they have broken the rules.
A word of warning though. Everyone will know you were on a payment holiday, regardless of this marker. You may find you have trouble getting credit in the near future.0 -
Deleted_User said:sparklep0ny said:MattMattMattUK said:Deleted_User said:MattMattMattUK said:Deleted_User said:MattMattMattUK said:Deleted_User said:Jeremy535897 said:I wonder whether they have treated the refund of the payment as a "new arrangement", despite the fact that they have caused the problem in the first place. You will have to contact them to get them to explain why this has happened, and how they will deal with it.Deleted_User said:Im scared other banks will close my accounts or reduce my credit lines.Deleted_User said:
Im now wondering weather nationwide have breached the loan arrangement in its entirity, the FCA in my opinion should investagate nationwide,Deleted_User said:
I should not have to face financial ruin because of their incompetance.Deleted_User said:
I took a loan of £6800 a year and a half ago and the balance is now £2500, they should be made to write off the rest as they have broken the rules.Deleted_User said:
I should be due compensation dont think thats unresonable and if the FCA are setting these rules then its not absurd to expect them to step in when errors are being made !
https://www.financial-ombudsman.org.uk/consumers/how-to-complain
Interest will continue to be accrued and your loan account balance will increase until you resume your contractual payments.
Loan balances are supposed to decrease over time, not increase.
Anyone looking at your file, including a computer, will be able to spot this and see you're on a payment holiday (or at the very least not making your contractual repayments) and if it's a problem, refuse credit.5 -
Deleted_User said:sparklep0ny said:MattMattMattUK said:Deleted_User said:MattMattMattUK said:Deleted_User said:MattMattMattUK said:Deleted_User said:Jeremy535897 said:I wonder whether they have treated the refund of the payment as a "new arrangement", despite the fact that they have caused the problem in the first place. You will have to contact them to get them to explain why this has happened, and how they will deal with it.Deleted_User said:Im scared other banks will close my accounts or reduce my credit lines.Deleted_User said:
Im now wondering weather nationwide have breached the loan arrangement in its entirity, the FCA in my opinion should investagate nationwide,Deleted_User said:
I should not have to face financial ruin because of their incompetance.Deleted_User said:
I took a loan of £6800 a year and a half ago and the balance is now £2500, they should be made to write off the rest as they have broken the rules.Deleted_User said:
I should be due compensation dont think thats unresonable and if the FCA are setting these rules then its not absurd to expect them to step in when errors are being made !
https://www.financial-ombudsman.org.uk/consumers/how-to-complain1
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