Hi Folks it's my first email post so be gentle with your comments please,
The problem I have is that I signed up for a credit card a few years ago (2015)
I was issued with a credit card and received my bills on line, my monthly bill was paid
then in March 2017 I agreed to pay less than usual which took me up to June 2017 and after that I have never paid another penny,
the current status is £2300 but when my life changed in March 2017 I did inform them of my situation and my limit went down to £2100 from the £2500.
Now the main problem I have is that
I applied over the phone for the card
(so I was never asked for a wet ink signature.
The digital signature contract has what states my account number 16 digits ,
on the paperwork I requested Regards a copy of full accounts,
they have the account number as a 19 digit pan.number which is the same number they have as my account is entered in all credit reference agencies .
As well as this they also have another account stating Requested Account Number which is a different number entirely and 16 digits long.
What I would like to know is where do I legally stand with regards to the whole situation,
this is only for 1 account and I have made the company Aware on various occasions