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TSB refusing to change default date - Scottish Trust Deed
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Hi there,
I have been in a protected Trust Deed since January 2023 and TSB are refusing to change the default date of my Credit Card to be aligned to the PTD. I have raised a complaint with them that they have not upheld and the FOS won't help either as they are saying the issue is over 6 months ago so won't help.
I was under the impression that the default date should be aligned with when the PTD was granted?
Any help will be greatly appreciated
I have been in a protected Trust Deed since January 2023 and TSB are refusing to change the default date of my Credit Card to be aligned to the PTD. I have raised a complaint with them that they have not upheld and the FOS won't help either as they are saying the issue is over 6 months ago so won't help.
I was under the impression that the default date should be aligned with when the PTD was granted?
Any help will be greatly appreciated
Currently in a Protected Trust Deed - 23 payments until DEBT FREE - February 2027
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Comments
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Not necessarily, if it pre-dates the trust deed, that is OK.
How far out of line are we talking here, months/years?
A few months either way won`t hurt.I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter0 -
The default date for the Mastercard is showing as August 2023 while the PTD was signed in January 2023. TSB are refusing to change.Currently in a Protected Trust Deed - 23 payments until DEBT FREE - February 20270
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Unsure if Scottish law differs from rest of UK, but that is clearly wrong.
If FOS won`t do anything, then your stuck with it, you could raise the matter with the ICO, they deal with anything data related, if you do decide to complain to them, make sure you say you only just noticed the discrepancy, as the 6 month rule may apply to them as well.I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter0
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