You've left your name and your reg showing - best to redo the PDF and redact these points.
Apart from that you've put in a hell of a lot of work - well done! The experts will be on to suggest bits to tweak.
bob when you're settled quite honestly id be complaining to the FOS about AIC
and Ofcom and the 3 administrators personally for their inappropriate actions and seeking financial redress for the distress this has caused
send cabot a copy of the absolvitor
remind them that should you hear from them again
you will have no hesitation in contacting the sheriffs clerk and raising a costs order without further notification.
Do you actually have a link or source to back this up?
The FOS have been treating my complaint against the debt buyer the same as if I had made it against the original lender. Maybe I should tell them that I can't make a complaint against the debt buyer because they seem unaware.
When the lender sells the loan the debt buyer becomes the creditor on the agreement and is responsible for ensuring the agreement meets regulations, including complying with affordability.
Reading this forum in the past would have you believe that redress can't be set-off against debt that has been sold to third parties. But the FOS have turned that on its head. It's all linked imv. You can't have the FOS instructing companies to pay redress to third parties, but saying consumers have no recourse against third party accounts when the original lender is bust.