Capstone/Preferred

[zoemk10]

In may last year I was 3 months behind with my mortgage due to being made redundant.

 

I made an arragement with the above and reduced this to 6 weeks.

 

This avoided court action althougth I did receive the papers they were cancelled.

 

At the beginning of this year I decided to check my credit file,

new year,

new job,

new start and

 

was sickened to see Capstone have applied a default to my account.

I did not ever receive a default from them and as my account was never more than 3 months in arrears

I was not even aware that they could do this?

This will affect for the next 6 years.

 

I have made a complaint which they have said they are right and if I dont keep up payments the full balance becomes due and this is affectively a default

 

surely they are obliged to notify me?

The matter is now with the FOS.

 

I think they want to keep me after my astronomical fixed rate ends in April next year.

Also I asked if I could add the remaining arrears to the balance and they said I couldnt as its a fixed rate?

Is this just bull?

 

I really dont like this company and want to get away from as soon as I can.

Is there any law that covers this as the FOS are always very vague and hide behind the fact that they cant get legal advise.

Should I get my own solicitor?