i am currently in Payplan with STW to pay £55 per month and not missed a payment in over 2 years
i did however change pay method from DD to online bank transfer, but never missed by payments
To my horror they are reporting that I have missed payments
When I ask them that say it because I stopped paying by DD it does not matter if I continued paying or not, they will report as not paid
Are they allowed to do this, it’s put me in hardship, can’t remortgage because of this blip
Taken to end level complaint and still they say they can report as missed payments and even though in same breath they accept there is no arrears to make up
Please can someone advise me
Many thanks in advance
Thank you for the clarification, that makes sense now.
Ref your point on 3.26, a while ago I think I posted a case study that sounded similar to yours that estimated how much annuity had been lost. That might guide you.
I have to say that I have no experience of actuarial calculations and was useless at maths at school, but I hope we can work through this.
you know who the underwriters were
they are you target.
don't put down too much on the form.
let them work it out.
them more info you put
the more reasons to refuse you.
sales rep put an x by the boxes
said sign here here and here when queried why said you wont get the loan nor my generous discount without agreeing to PPI
typical sales rep even into the 2000's, they got a direct backhander for selling the underwriters policies.
Ok sorry a little confused dx.
First National Bank now GE Money ?
Window sales person sold policy / loan on behalf of FNB?
Yes but website requests that you complete FOS form and email it to relevant ppi address.
Don't touch them owe me £500 since January 2019 make excuse after excuse. Seem they always have software problems sending money out. Keep saying they will call back or email nothing been chasing it now for 6 mths the phone staff always have the same banter we will chase it up and get back to you then nothing!