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HI,

I am having an odd problem with swift sterling.

i managed to shake them off and owe them £0.

I Never defaulted once always paid on time. so i guess they see me as alow risk good customer.

 

i have now decided to ban my self to keep clear of them.

i have requested twice for them to close down my acount and delete all details they have on me(once they confirm my account is closed).

 

they have not replied and my account remains open. all they have doen is increased my credit limit with them.

 

what elese can i do

thanks

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Righto, this is a Pay Day Lender, yes ?

 

If you owe them nothing, and you have requested your account be closed - then they should do this.

 

Send a Formal Complaint to their Head /Registered Office.

 

Something like..

 

 

Dear Sir or Madam

 

Account reference

 

Formal Complaint

 

I have requested that the above account be closed.

 

For reasons not provided to me, your company is refusing to do this. Not content with keeping this account open, it would appear you have decided to increase the credit limit. I believe this type of action is frowned upon by the Financial Conduct Authority.

 

I must advise that unless you have confirmed to me, in writing, within 10 days from the date of this letter, that my account is closed and my details removed from your Data base, I will be escalating my complaint to the Financial Conduct Authority.

 

Yours etc

 

 

 

I would suggest that you send this letter via a tracked mail so you have a signature for the receipt.

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Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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thanks for the advice. il give that a try.

what kind of company does the complete opersite than what im trying to acheive and shake off this pay day loan company once and for all.

 

regards

 

m

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thanks for the advice. il give that a try.

what kind of company does the complete opersite than what im trying to acheive and shake off this pay day loan company once and for all.

 

regards

 

m

 

 

With the new regulations that are either in place or will be taking place I imagine they are wanting to keep hold of those current and previous customers who have proved to be of value.!

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Send them a request under the DPA to stop processing your data. They are legally obliged to keep hold of data for 6 years, but they must stop processing it.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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