Hi, I'm new to this so hope it's directed to the correct place.

I have had a Guarantor Loan for 6 months with CFO Lending but due to unforeseen circumstances, I have now gone into a DMP with Step Change.

I contacted CFO by various methods to explain the situation and asked them to remove the CPA.

My bank have since re-deposited 2 payments that they have tried to take.

I took a call from them early in August and explained my situation and explained that Step Change

as informed me that if I could pay the difference between the DMP payment and my normal payment,

out of my budget, then this should be enough for them not to try to get the money through my Guarantor.

They said that there had been no communication from Step Change and the interest on my account was accruing.

I contacted Step Change who said they had contacted them

and they also sent me a breakdown of payments to my creditors, which CFO were included.

Today CFO have contacted my Guarantor and along with informing her that I am now 2 payments overdue,

Have also disclosed that I have entered into a DMP!!!

This as made me feel sick to the stomach and I could not bring myself to contact them with my anger.

Can they do this, or this abuse of my personal data?

Any help would be gladly received as I need to call them back at some point.

Thanks,

D.

Hi, I'm new to this so hope it's directed to the correct place.

 

I have had a Guarantor Loan for 6 months with CFO Lending but due to unforeseen circumstances, I have now gone into a DMP with Step Change.

 

I contacted CFO by various methods to explain the situation and asked them to remove the CPA.

My bank have since re-deposited 2 payments that they have tried to take.

 

I took a call from them early in August and explained my situation and explained that Step Change

as informed me that if I could pay the difference between the DMP payment and my normal payment,

out of my budget, then this should be enough for them not to try to get the money through my Guarantor.

They said that there had been no communication from Step Change and the interest on my account was accruing.

 

I contacted Step Change who said they had contacted them

and they also sent me a breakdown of payments to my creditors, which CFO were included.

 

Today CFO have contacted my Guarantor and along with informing her that I am now 2 payments overdue,

Have also disclosed that I have entered into a DMP!!!

 

This as made me feel sick to the stomach and I could not bring myself to contact them with my anger.

 

Can they do this, or this abuse of my personal data?

 

Any help would be gladly received as I need to call them back at some point.

 

Thanks,

 

 

D.

Hi,

Yes the creditor is entitled to contact the guarantor as you have defaulted on the contractual payments and entered in to a DMP.

The terms & Conditions of the guarantor loan will include the process that would be followed if you defaulted on the debt.

There is no breach of the Data Protection Act 1998.