Wise2Debt/Lloyd Anderson had £1500 - FOS ordered them pay it back - they have not!!

[sprouting]

In 2011,

 

 

MBNA got a bit heavy with my husband by doubling his minimum payments

even when he said he couldn't afford them.

 

 

He got a phone call a week or so later from a company called Wise 2 Debt

who claimed to be a government funded debt management company

who would deal with the MBNA on his behalf and get the interest frozen

and to ignore any letters from MBNA and they would deal with it

if he just paid them a fixed amount every month.

 

 

An agreement was made and the letters kept coming from MBNA but they were ignored, as advised.

 

 

Eventually he rang MBNA who said that hey hadn't received any payments at all

 

 

when he had paid Wise 2 Debt approx.

 

 

£1500 over the best part of a year.

 

 

He was served with a default notice which shouldn't be there as he was paying it

 

 

but they weren't passing on the money.

 

 

Wise 2 Debt shut down and re-opened as Lloyd Anderson.

 

 

We wrote to the Ombudsmen who agreed that Lloyd Anderson should refund the money

but we are still waiting over a year later since they told them this.

 

If any one could advise me as to

a) who is the authority on these matters

and who can force them to cough up, and

 

 

b) how would we go about getting the default notice removed from his credit record?

 

 

Any advice much appreciated!

[dx100uk]

if you were not paying the contracted amount

the default is sadly correct. regardless to the DMP/DMC

 

 

have you told the FOS you've not had the money yet?

 

 

dx

[sprouting]

Hi,

 

Thanks for your reply.

I understand that the MBNA are entitled to issue a default if they don't receive the money

but (sorry should have said before) Wise 2 Debt did actually send a re-payment proposal to MBNA which they accepted,

does that make any difference?

 

 

Yes the FOS are aware that the money hasn't been repaid -

ages and ages ago Lloyd Anderson agreed to pay up but wanted to do it in monthly instalments of £100 which was relayed to us by the FOS.

 

 

This was declined by us and to be honest I think they had no intention of even paying that, they just wanted to shut us up.

 

 

The FOS are still apparently on the case but I thought there might be another body with a bit of clout

who could force them to refund and then shut them down for malpractice.

 

 

I was thinking about letting the police know they are fraudsters but not sure if there's any point as I know how devious and slippery these shysters can be.

[dx100uk]

give the FCA a ring.

 

 

as for MBNA they are entitled to default you

you entered a DMP, regardless to if they agreed.

 

 

dx

[sprouting]

Ah, ok thank you. I shall tell him to do that. Might write to MBNA and ask if they'll remove it anyway on compassionate grounds, probably a waste of time but I suppose it can't hurt...