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About Johnson4

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  1. I'll keep you updated, but waiting to hear back from fos.
  2. PDF Screenshot 2021-03-25 at 14.04.46 copy.pdf
  3. This is the response I received from CISAS.
  4. Doesn't Vodafone still have to abide by their policy and make responsible decisions in line with their Terms and Conditions of service which appears to of been broken?
  5. I believe it's a service type of contract, but I'm not really sure. It identifies it as a communications supplier from my Credit Report. The FOS have asked for further details and they are able to at least look into it to see if it's something they can look into as they have permission from the communications dispute team. Believe it or not I haven't actually been charged for the devices on multiple agreements... They have said the balance won't raise but don't know why I haven't been charged.
  6. I believe it was just the case of accepting agreement online. Very vague details as it's defaulted and over a couple of years old.
  7. So just to clarify not all Consumer Credit Agreements show on your credit file? Communications Ombudsman have decided it would be best to approach the Financial Ombudsman Service today.
  8. They are reporting to my Credit File and have a Credit Check page
  9. Good Evening, Hope you are all okay. During the course of 2013/2014 to 2018 I got in a substantial amount of debt, basically I was hit with the debt spiral... Where I would take out credit and pay back BNPL that where due by taking out more credit... Long story short about 15 telecommications Debts, 10 Maxed out Credit Cards And getting fed up of hearing from Lowell Group, PRA Group, Moorcroft, Westcot Credit Services, DRS Recovery, Capquest and Arrow Global... The list kinda doesn't end..... Anyways I'm raising irresponsible lending complaints because during th
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