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No, she hasn't received a letter. I think this default on her credit file has made her credit rating go down even more. Shall I just threaten George banco with saying I will report them to the ombudsmen for irresponsible lending? I have it in writing that they carried out no credit checks on my daughter and myself, as her guarantor, when they approved the loan. Please tell me what you suggest we do. Thank you.
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I wasn't going to complain to FOS about no defaults. I wanted to report banco to FOS for the IRL in the first place and I wasn't happy with their response to us about setting up a payment plan. I think the debt should be written off. Thanks for the advice about blocking, bouncing anf reporting emails. We shall set that up.
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No, no default notice has ever been served. They have started up again sending us the usual harassing generic texts and emails asking for the £48.73 per month. I'm going to wait for the letter of claim (if they ever send one, seems they have no idea what they're doing) I don't think we should set up a payment plan due to the irresponsible lending in the first place. Does anyone know where we stand if no letter of claim is received? I feel tempted to go to the financial ombudsman and report them now. Is that a good move at this stage ?
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Hi dx100uk , sorry for the late reply. With one thing and another my daughter has just got back to me. After doing her calculations, she said ahe has repaid Banco less than £1,000. She hasn't filled out the income and expenditure sheet she was sent. She has had no contact with banco since they admitted they didn't carry out the proper checks on us and they haven't chased either of us anymore. Please recommend the next stage if there is one? Thank you for your help, as ever.
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