Thread: Fd Terminated Account Help With Fd Credit Card Advice

FD have informed me that they have are going to terminate my current account in 60 days time. The reason is I have contacted there chief executive regarding my complaint and haven't followed there complaint process even though I did.

I have a few grand outstanding on my FD credit card which is also being terminated in 60 days. As they have terminated both accounts have they broken any of the terms and conditions on my credit card and can they still force me to make full payment on my credit card???

Any advice would be most welcome

Originally Posted by mellow

FD have informed me that they have are going to terminate my current account in 60 days time. The reason is I have contacted there chief executive regarding my complaint and haven't followed there complaint process even though I did.

I have a few grand outstanding on my FD credit card which is also being terminated in 60 days. As they have terminated both accounts have they broken any of the terms and conditions on my credit card and can they still force me to make full payment on my credit card???

Any advice would be most welcome

Have they now transferred your credit card debt to your current account and are now calling it an "overdraft"?

Well i am in the same situation but FD transfered a cc balance on to an empty bank account so that they ould avoid their legal obligations inder the consumer credit act, and at the same time have more powers under banking law . They replaced debt with debt, and wont provide and documentation regarding this bank account despite 2 cpr requests. any advice please?

Originally Posted by annabella7

Well i am in the same situation but FD transfered a cc balance on to an empty bank account so that they ould avoid their legal obligations inder the consumer credit act, and at the same time have more powers under banking law . They replaced debt with debt, and wont provide and documentation regarding this bank account despite 2 cpr requests. any advice please?

Have you sent them a CCA request under Section 77/78?

hi again, yes I have sent them cpr 31.14 on 2 occassions . They were slow to reply and couldnt give me any information on the so called 'Bank Account' that they opened to transfer the debt onto. I thought debt could not be replaced with debt ? Thanks for your reply