CL Finance - Full and Final ?

[Bazooka Boo]

Save your cash for the time being, did they cosolidate all three and give you a loan to the amount of?

Or have they simply yook it off their own backs to consolidate them?

 

Personally, I would send CL account in dispute.

 

And begin a formal complaint using FD's own complaints procedure, as the FOS and OFT are less likely to look at it if you haven't given them a chance to rectify their blunder.

 

Unless you have signed a new agreement with FD reference this total figure, how would you possibly know what interest your being charged?

A CC has a different % rate to the Loan, and an OD has a completely different set of %rates and caveats, which is why they have fallen foul and cannot possibly expect to put this mess in front of a DJ!

[The Cappuccino Kid]

It wasn't a consolidation loan, they just lumped them all together under the current account number.

 

Looking at the First Direct forum on here it seems to be something that they do quite frequently.

 

In dispute letter winging its way to CL Finance tomorrow and will start FD's complaint procedure.

 

Cheers

[Bazooka Boo]

Ridiculous, I would look at getting the FOS in on this aswell, possibly sooner rather than later, try giving them a ring and ask them for their advice, they may say see what reaction you get from the bank first, but it won't harm in asking.