Have you had a catalogue, credit card or overdraft where you were given a high credit limit?
So high that the monthly repayments were hard to manage without borrowing more?
Many people were originally given sensible limits, but the lender kept increasing them.
You may have a good complaint that the lender was irresponsible in allowing you to borrow so much that the debt was unaffordable.
You can complain to the lender and ask for a refund of the interest you paid. There is a template letter below.
In 2020, Barclaycard have written to some customers saying their credit limit was set too high. I hope more lenders recognise this. But you can complain now, you don’t have to wait for a letter.
What is “responsible lending”?
The following is my summary of the regulator’s rules about affordability and responsible lending:
- A lender must check if credit is affordable when you apply for it. A mortgage lender will ask for bank statements, but a catalogue offering a £200 credit limit doesn’t have to go into so much detail.
- If you can’t make the monthly repayments without difficulty, credit isn’t affordable. This means being able to pay all your normal household bills, expenses and your other debts.
- If you have to borrow more most months, this would not be affordable. This could be borrowing on the same account – making a credit card repayment but then using the credit card to pay for food so the balance never drops is “borrowing more”.
- You have to be able to repay debt within a reasonable period of time. Paying the minimum amount is OK for a short while, but if you did this for a long period, this suggests the debt isn’t affordable.
- A lender shouldn’t increase a credit limit without new checks. Just because you have been able to make your repayments so far doesn’t mean you can manage a larger limit.
Good reasons to complain
If the lender could see any of these on your credit record, they should have declined your application:
- increasing mortgage arrears;
- a lot of recent high-cost short-term lending;
- recent credit record problems: defaults, a lot of missed payments, or arrangements to pay;
- a level of borrowing from other lenders that appears too high in relation to your income.
Once you had an account, any of the following suggest that you shouldn’t have been given a larger limit:
- only making the minimum payments for a long while;
- if you are using a lot of your credit limit;
- a lot of gambling showing on the statement;
- any recent missed payments or arrangements to pay on this account;
- your credit score has got worse since your account was opened – new missed payments, defaults or CCJs on other debts;
- your overall level of debts (as shown on your credit record) has gone up a lot
- you had arrears on other accounts with the same lender.
One reader was allowed to open a second account with Capital One. The Ombudsman decided this was unfair as he had quickly reached and gone over his limit on the first card.
Another reader had applied for a loan and a credit card to his bank but been turned down. But the bank then increased the limit on his overdraft. The Ombudsman decided this was unfair.
Making a complaint
If your lender increased your credit limit, you don’t need the precise date. Being able to say “A few years ago you increased my credit limit. After that I could only make the minimum payments but you increased my limit again to £3000.” is fine.
If you have your paper statements or emails, these may help, but if all you can say is “you increased my credit limit several times” that is fine. You don’t need to ask for copies of all your statements – you would get a ton of paper!
But getting your credit record can help. You can’t go back and see exactly what your credit record said in 2017, but if you look at your current credit record (get your free TransUnion statutory credit report) you can see what the pre-2017 problems were that the lender should have spotted.
What you are looking for is the point at which the lender made an irresponsible lending decision. For a few people that will have been when you applied to open the account. For many people, it will have been when your credit limit was increased.
Template complaint
The best way to complain is by email. It’s free, instant and you have a record of what you sent and when. Sometimes the lender makes you complete a form on their website instead. And for some catalogues you have to send a letter.
In the suggestions below, I’ve invented some examples for the bits [in italics in brackets]. Change/delete/add to these to tell your story.
Start off with the basics: identify you and your account and make it clear what sort of complaint you have:
I want to complain about irresponsible lending by you for my [Very] account number [987654/444]. My date of birth is dd/mm/yy. The email address I used for this account was myaddress@whatever.com.
Then either say they should never have given you the account:
and / or say that they should not have increased your credit limit:
If you had properly checked my credit record before increasing my limit, you would have seen [that in the two years since my account with you was opened, I had got additional late payment markers and defaults and taken out a lot of other credit.] This should have warned you I was struggling with my finances and it was not responsible to lend me more. By increasing my credit limit you made my financial position worse.
It will help your complaint to add more details about why the account repayments were unaffordable for you:
If the lender should already have known you had problems with your account, mention this
[the late payment charges you added to my account]
[I had missed two payments in 2012]
[I had already asked you on the phone if it was possible to stop adding interest for a while] .
It will help your complaint to add more details about affordability:
End with asking for a credit card or catalogue refund:
Don’t be put off with a rejection
If a lender rejects your complaint or offers a low “goodwill” gesture, don’t be put off.
In particular, if the lender says you had made all the payments to them on time so they had no reason to think you had problems, you can ignore this – the lender should have made other checks before increasing your credit limit!
When you have a Final Response from the lender – or after 8 weeks if you haven’t had a Final Response – send your complaint to the Financial Ombudsman Service (FOS). You can just copy out what you put in your complaint to the lender. The FOS is a friendly service.
Timing
These complaints can be made if your account is still open, or if it is closed and settled or with a debt collector. NB complain to the original lender, not the debt collector.
You can complain if you already have a CCJ for the debt. Tell the lender you want the CCJ removed as part of the settlement of your complaint.
But if you have had an IVA or bankruptcy after these problems, or if you are still in a DRO, then you shouldn’t complain – ask in the comments below for details.
Old accounts
If your complaint is about an account that you closed more than 6 years ago, it’s harder to win. If the account has been open within 6 years but the credit limit raises were more than 6 years ago, you may have difficulty.
These older cases are hard for you to produce much evidence for. Defaults, DMPs and CCJs over 6 years old will have disappeared from your credit record, so unless you have other things (letters? emails?) referring to them, it can be hardto show the problems you had.
But if you feel you have a strong older case and you have some evidence then take it to the Ombudsman and let them decide!
Another approach for very old accounts
If your account was opened a long while ago and you defaulted and still owe a balance, perhaps in a DMP, think about asking the debt collector to produce the Consumer Credit Act agreement for the account.
There is a template letter for this from National Debtline: Credit agreements – getting information.
If the current creditor (not the original lender) can’t produce a proper copy of the agreement, the debt cannot be enforced in court and you can simply stop paying anything to it. This applies to all credit cards, store cards, catalogues but not overdrafts. Discuss the response you get with National Debtline if you aren’t sure it is adequate.
For older accounts this is more likely to work than affordability complaint, so it’s worth trying first. It is common for debt collectors with an old account (eg pre 2007 MBNA and Egg cards) to be unable to produce correct paperwork.
Poor reasons to complain
You can’t complain just because the interest rate was high or because you have paid them a fortune over the years.
A poor credit score on its own isn’t a reason why you shouldn’t have been given an account. You could have been recently discharged from bankruptcy – that makes a “bad credit card” such as Vanquis or a catalogue an ideal “first new credit” and it may be completely affordable because going bankrupt solved all your previous debt problems.
But if your credit score was poor because you were having a lot of problems with your existing debt, the account should have been refused.
You won’t get a credit card or catalogue refund if something unexpected went wrong in your life. If you had been managing a credit card fine for years but then you lost your job or separated from your partner and you defaulted, this isn’t the lender’s fault.
Need some help?
Claims firms are pretty useless at this sort of thing. The only person that can write the template letter above is you! You can get better help for free by asking in the comments below or by going to your local Citizens Advice.
Complain if a lender doesn’t freeze interest
Get a refund from Provident?
Why Buy Now Pay Later often goes wrong
Leila says
Hi,
Wondering if anyone can help.
I have a default with shop direct which is currently showing over £5000 I made a complaint and they’ve responded saying its not their fault and that the agreement says they can raise the limit throughout however they have offered to take the interest and admin fees from the balance which is £1400 and remove it from my credit report. Is this a good offer or should I take it to the fos?
Abit of background behind the complaint is –
The account was started in 2014 and began at a £250 credit limit, between 2014 and 2018 they raised it to £2900 and I had exceeded the credit limit in 2017 and they still raised it then. In the days prior to the account being opened I took out a payday loan, during 2014-2018 I had taken out a further 74 payday loans. I missed payments in 2014 and 2015. I have previously had a gambling addiction and I suffer with mental health issues, I attached a debt mental health medical form from my doctor to the complaint.
Sara (Debt Camel) says
So your current balance is 5000? and they are offering to reduce it by 1400?
Can you say what the rest of your debt situation is at present?
Leila says
Hi Sara,
Yes they are offering to reduce the debt, it was put into default around 2 to 3 years ago. At present this is the only debt I have.
Sara (Debt Camel) says
so you have repaid the payday loans? Have you looked at asking for refunds from them?
is it clear that they have stopped adding interest? if it isn’t, I think you should clarify this.
how much will you be able to pay to this a month?
Leila says
The payday loans were always paid on time due to taking out a new one to cover the previous one. I’ve complained to the 3 payday lenders however 2 have now gone into liquidation so I believe I won’t get alot back.
They have removed the interest however I do need to clarify if its now been frozen on the remaining balance. I could probably pay 100 a month towards it
Jim says
Hello, I’m hoping you can help with my query.
This morning, out of the blue, I received a cheque from HSBC for £50 because following a review by their Collections/Recoveries team, they have concluded the quality of service “did not meet the standard we would expect.” I last had an HSBC bank account back in 2012 and have had no communication from them since. In 2010 my wife and I both lost our jobs and were struggling to survive financially. During the period 2010-12 HSBC wrote to us frequently telling us we had bounced payments because our overdraft limit had been exceeded and adding on interest and charges for bounced payments, which only made our financial situation worse. In 2012-13 we went onto a debt management plan and closed our HSBC account.
I would like to understand why HSBC have now written to me some 8 years after the account was closed with this token goodwill payment? I am considering making a request for a refund of excessive bank charges incurred between 2010-12 and as the bank has now admitted their service standards were below expectations, would like to know if this helps strengthen my case for a refund? I realise this time period is beyond the normal 6 year limit.
Many thanks for your invaluable advice.
Sara (Debt Camel) says
HSBC may be doing some review of old cases.
I think you should go back and say you were very poorly treated by them then – go into as many details as you can remember – and that £50 is entirely inadequate. Say you would like a refund of the interest and charges they added on between 2010 and 2012. If they say No, send them a formal complaint about this.
Dawn says
Hi everyone, just a little update on my Simply Be/Viva la diva claim, after nearly 3 years the Ombudsman has decided in my favour. JDW have to
Refund any interest and charges incurred as a result of any credit limit increases from March 2008 onwards, Refund all interest and charges added to the accounts since 28 August 2008;Add 8% simple interest – calculated from the date of overpayment to the date of settlement; Remove any negative information about the account from Mrs P’s credit file from March 2008 onwards. I don’t know how much this will be as yet, JDW say they dont have information that far back?? but keep at them.
Steve says
Quick question please.
A friend of mine has asked if they will be able to put in a claim to studio. She did accept the increase but it got to a point where she was literally just paying the interest and never decreasing the value. With all the other debts this became just another debt. Could she claim?
Sara (Debt Camel) says
Yes, her claim will be stronger if she was only making minimum payments and if her credit record would have shown her other debts were increasing.
But how is she managing her debt situation? These complaints are not fast and usually have to go to the Ombudsman, so she needs to be in a safe financial space while this goes through.
Steve & Janine says
Ok thanks. She told me that the payments they were asking for was £75 a month but she was paying £85 but it would of taken her years to pay them off minimum her debts with other providers 118118 money claim still ongoing and and they are dragging there heels but the loan is nearly cleared and on a reduced payment. Then she has a fluid card which is just making minimum payments to. But not falling behind as yet. Financially she is just making the payments but if these were to increase then she would not be able to afford anything further. Fluid have already said that they are going to increase their interest rates.
Sara (Debt Camel) says
Ok, if fluid increase their rates, she can just say she wants to close the account and stay on the old rates. Then it is a just a debt she pays off.
But it may be easier to get a debt management plan for All the debts, studio, 118 and fluid. Then the interest gets frozen so all her monthly payments reduce the balance. Can you suggest she talks to StepChange about this option?
She can still carry on with the 118 complaint and complain to Studio. The DMP just gets her in a better place while they go through.
Steve & Janine says
Ok brill. Your a star. I will have a chat now and see what she wants to do about a dmp. And in the meantime progress with the complaint.
Andrew says
Hello All,
Can anyone help with some general information – A Catalogue company is chasing a family member for an old debt.
They have provided a “credit agreement” This is not signed and just blank not even electronically signed or dated – Is this Enforceable? They have also not provided a full account statement of goods, prices or fee’s in over 65 days currently.
P.S – Great information on the website – Sent template to my affected creditors and for family too. Growing up I saw how DoorStep Loans were pushed on customers in particular around Christmas :-(
Thank YOU
Sara (Debt Camel) says
This other article https://debtcamel.co.uk/ask-cca-agreement-for-debt/ has a section on this: How can you tell if it is right?
Shaun says
Good evening,
I have made a complaint against capital one. They got back to me today partially upholding my complaint
They said to the higher balance Card saying I generally paid over the minimum then payed the balance off in full. Then a month later they gave me a increase, I payed the balance off though due to a £13000 loan I took out to pay my debts.
I didn’t even mean to claim against the little balance on another card but they have refunded me £430 which more than happy with.
My question is though can I go the FOS because they have offered me £430 for a card the said they shouldn’t have gave me on 17th FEB 2016. But say they done everything right and not accepting my complaint on the bigger card and increased the limit on 26 jan 2016.
Surely they can see my loans which I had and my new £13,000 loan on my report. Also why say yes to one and no to the other barely a month inbetween increases and why there paying out?
Sorry for long message any advice be very grateful
Sara (Debt Camel) says
Is it correct that you generally paid over the minimum? How large was the increase?
Have you looked At whether the 13k loan was “affordable” ? What interest rate was it and who was the lender?
shaun says
Hi Sara, I’m not sure I think I paid a set amount each month but would use it again if it was over the minimum it wouldn’t be by very much. The increase went from £500 to £1250. This was about same time of me opening a new capital one for £200 month between and 2 months after getting a £13k loan
The loan was with NatWest at a high interest rate for a bank like NatWest think it was 18-20 per cent not sure if I can check this, 5 years on an still got a loan with them just consolidating and repeating it really the interest rate on loan now is about 12 per cent.
Sara (Debt Camel) says
Then I think that’s worth taking the complaint to the Ombudsman.
And read https://debtcamel.co.uk/refunds-large-high-cost-loans/ and think about complaints to Natwest.
If your finances are difficult at the moment, talk to StepChange about a debt management plan. This is a much better option for you then keeping on consolidating and ending up having to borrow more. You need to end this cycle of failure.
Winning Ombudsman complaints will then massively speed up the debt management plan.
DEAN says
Hi sara, i have a AQUA mastercard which has a outstanding balance of £2800 and i am on a DM with payplan plus. i have had so many payday loans and Credit card which i used for gambling im just wondering would i have a good chance of claiming against aqua? the account i took out in 13th january 2014, but the account has been defaulted in 31st august 2018. what would you advise me to do?
i used your amigo template and won last year i wanna say thank you for that and your website is amazing not just for me but i bet everyone thats used it is so grateful so thank you.]
many thanks
dean
Sara (Debt Camel) says
Is this Aqua card now in your DMP?
Has it been sold to a debt collector?
Can you say how large the debts are in your DMP? How much a month are you paying to it?
Are you buying or renting?
DEAN says
yes, and another barclaycard also, yes its been sold to cabot financial.
i have 4 debts in my DM
satsuma – £850
aqua – £2800
barclay card – £1200
118 118 – £4500
i have a case against 118 been going over a year and has just been picked up with a adjudictor, just in process to do a affordability claim against satsuma.
with pay plan i pay £25 a week so £100 a month as my partner got made redundant due to covid and looks after my 20 month old baby so things are a bit tight hence the email.
we have a mortgage not renting.
many thanks
dean
Sara (Debt Camel) says
If things are tight at the moment, you should ask Payplan to reduce your DMP payment, or even take a break from it.
You could ask Cabot to produce the CCA agreements for the card debts it has – see https://debtcamel.co.uk/ask-cca-agreement-for-debt/. If it can’t, those debts are unenforceable and you can not pay them.
An affordability claim against Aqua – these tend to be easier to win if the lender increased your limit at a point where you were only making minimum payments – did they?
Dean says
Hi Sara, yes I started at £250 then went to £3250 over a few years was always making payments every month.
Thank you Sara
Sara (Debt Camel) says
then go for it!
Wimscot says
I filed a complaint with Aqua Card. New Day. They didn’t uphold it, by sending me an computer generated answer with an overview of my account. So I sent it to the Ombudsman. Meanwhile I paid off the credit card., but they blocked the available amount, without any notice. I don’t mind, as I never going to use them again, but I’ll keep fighting them till the end. So beware if you are depending on that card. If you complain, they mark you down and freeze your card. One of the worst CC companies in the UK.
Natalie says
This is what happened to me with Marbles card also Newday. I complained and they refused my complaint and closed my account.
I had already sent the complaint on to the FOS this was back in July last year and this week I have been assigned a case worker who had requested the info he needed from Newday. My account is marked as disputed on my credit score and I am paying off the minimum amount each month.
Paul says
To be honest they are doing the right thing if you have complained it is unaffordable, they are stopping you from getting any further debt with them.
Natalie says
Yes I agree. It is just a bit of a nightmare when having this withdraw and being in the middle of sorting debts out and getting back on top after redundancy. Having informed them and asked for help on multiple documented occasions they were not very helpful.
Maureen says
Hi, has anyone managed to put a complaint in about monument credit card? I had one years ago but wasn’t working at the time, was going thru a very difficult divorce, they did the application over the phone. I’ve tried looking them up but can’t find the details anywhere. Looking back they shouldn’t have given me the card as only had income support coming in
Any help would be great. Many thanks
Sara (Debt Camel) says
Affordability complaints can only be made about lending after April 2007. Monument closed in 2009. And most of its lending was before 2008… this may be too old to pursue.
Maureen says
Thankyou sara, I still owe £1400 on it, paying it off monthly. Was a difficult time but thankfully better now. Thanks again for all your advice.
Sara (Debt Camel) says
Has this been sold to a debt collector?
Maureen says
Hi yes it has
Sara (Debt Camel) says
Then I suggest you read https://debtcamel.co.uk/ask-cca-agreement-for-debt/. This may nit work but for such an old debt it is well worth a try!
chris says
Update on JD Williams t/a Premierman claim. Adjudicator (20 months and counting) got in touch and asked for 26 months of bank statements to be sent to him from 2013-15. Fortunately, I could do that. So, sent these and now back to waiting.
Ruth says
Hi Sara,
I had a student overdraft which was initially interest free back in 2009-2014, where the limit was increased several times very easily up to 2000, this then changed to a regular account with the overdraft but not interest free. I lived in this account until 2017 when I finally managed to clear it in one go, but the charges and interest sent me into huge debt with taking out multiple payday loans and gambling (stupid I know!) to cover living and charges, resulting in the account defaulting and me being in a DMP. I complained years ago, but was ignored. The account was closed in 2017 but last month HSBC sent me a £50 cheque out of the blue saying I hadn’t been dealt with adequately at the time…could there be grounds for me to complain further? Thankyou in advance
Sara (Debt Camel) says
You say you complained but were ignored – do you mean your complaint was dismissed by HSBC or you never had an answer?
Ruth says
It was dismissed. I didn’t know how to put a complaint together at the time so I believe it was dismissed with not presenting my case well
Sara (Debt Camel) says
were you told you had the right to take the complaint to the Ombudsman?
Ruth says
I honestly cannot remember sorry, it was so long ago.
Sara (Debt Camel) says
ok, then i suggest you go back and say their offer is inadequate for the amount of problems and stress this overdraft caused you and you would like a refund of the charges they added on to your account.
A. says
Hi
In 2016 I got into an increasingly worsening situation where I was borrowing from cards to pay other cards and the spiral kept going until I got in touch with step change who helped me set up a dmp… which I’m still using. This resulted in3 defaults.
After finding this page I’ve made irresponsible lending claims and have just received a final decision by NewDay for an Aqua card for £1600. I’m happy with this but they state they won’t remove the default as they feel this is factual reporting to the CRA’s. NewDay agree that the 4 huge credit limit increases between dec 2014 (£1400) and April 2016 (£6350) should never have happened and have paid back any late payment fees or over limit fees which results in the £1600.
If they’ve admitted this shouldn’t have happened should they not also remove the default? This card, the huge increases in limits and my poor management of this were the primary reason my finances crumbled.
Sara (Debt Camel) says
It is VERY likely that the Ombudsman wail say they have to remove the default. It is also likely that they would say Aqua have to refund done if the interest they added as well as the extra charges.
I suggest you say reply saying that you are happy to accept 1600 in the interest of getting this settled speedily but that the default should also be removed as this says https://www.financial-ombudsman.org.uk/businesses/complaints-deal/consumer-credit/unaffordable-lending.
Say if New Day don’t agree to remove the defayoh will be sending the complaint to the Ombudsman and in that case you will also be asking for a refund of the interest you were charged, not just the over limit charges.
A. says
Hi Sara thanks for this advice. I will do this particularly as they’ve admitted in writing that the increase in December 2014 shouldn’t have happened with this being the catalyst for my financial woes.
In November 2020 I have also made 2 other similar complaints to MBNA and Advant loans. Advant are looking into this and have kept me informed however I’ve not received even an acknowledgment from MBNA. Do I just wait this out for the 8 weeks and then take it to the FOS?
Thanks in advance of any advice.
Sara (Debt Camel) says
I suggest you phone MBNA and ask whether they are looking at your November complaint as you have not received an acknowledgement
A. says
Hi Sara, in reference to the default NewDay are saying when the account was sold to Cabot, NewDay removed all their info from my credit file and are unable to remove any information placed in my file by another company.
The default is from when the account was in NewDay’s possession but the default states Cabot on CRA files.
I have now contacted the FOS but I suspect this might be in vain. Would you suggest I contact Cabot and if so how would you approach this?
Thanks again for all your help.
Sara (Debt Camel) says
So have New Day said the default should be removed? If they have, then send that to Cabot.
Al says
Hello, posted something similar in another thread – hopefully I’ve got the right one this time.
NewDay sent me the standard persistent debt letter in 2019, in relation to me Aqua card that’s consistently been at it’s limit of (£5800 currently) for years. I was trapped in the PDL cycle for a long time and just couldn’t chip away at any debt, and used other lending such as credit cards to try and help. On the back of lots of successful PDL complaints for irresponsible lending I sent the same complaint to NewDay. It was partially upheld by wiping my £500 second NewDay card and cancelling my £5800 for more usage (I still had take it back) I passed the complaint to FOS who have just got back. Investigator has sided with me – recommending the pay all interest and fees back from 2014 (9k at a guess) FOS are waiting to hear back from ND who are not responding and she’s given them a deadline to get back to her.
Question is – are they likely to disagree? Do companies like this normally disagree with investigators?
Al says
Further to this, FOS have confirmed what happens when they don’t reply and if they disagree – it’s goes to the ombudsman who will make the final judgement, but I’ve been advised this will take a long time due the backlog. I’m trying to get a bit more info in how the process works from now on. If NewDay agree, how likely would it be before they would process the refund? Is there a time limit?
Ellie says
Can I please be nosey and ask when you submitted your complaint to the FOS and when an adjudicator was assigned to your case? Just curious as my case has been with my adjudicator a year this month and feel I keep getting fobbed off!
Sara (Debt Camel) says
a year! I suggest you phone up and say you want to make a complaint about the delay in getting you a decision.
Al says
I’ve just had a look, FOS replied acknowledging the case in July 2020 and the investigator got back to me looking into it late October. That said – this is just the investigator (I’m not sure if that the same as adjudicator) and she’s told me that if we don’t reach a solution soon it will be passed on to the ombudsman which has a long wait.
Ellie says
Thanks Sara, I’ve contacted my adjudicator again (she tends to respond fairly quickly) but if she has no update will call them tomorrow.
Corrinna says
Can someone contact me
Sara (Debt Camel) says
Which lender is this? Have you already made a complaint?
Maureen says
Hi Sara, I’ve taken your advice, I had a monument credit card from 2013 which I am still paying off, it was sold to cabot. I’ve since found out monument are now CCUK Finance and had emailed them putting in a complaint saying I should never have been given the card as I was unemployed at the time and going thru a messy divorce. I’ve also asked cabot for a CCA regarding this. What do you think my chances are of getting this written off and any compensation? Many thanks
Sara (Debt Camel) says
I think your chance of compensation is low as the debt is so old. But the chance of it being unenforceable because the CCA cannot be produced is much better. I suggest you ask any further questions about the CCA aspect on the other page: https://debtcamel.co.uk/ask-cca-agreement-for-debt/
Maureen says
Thankyou sara for all your help
Alison says
I’ve received a few refunds this year from 118118, lending stream and safetynet which is great and very wiped a large sum of my balance.
I’ve also made complaints to natwest as I had a large overdraft, now paid and account closed. They refused so referred to ombudsmen and also argos card and NewDay marbles credit card refused so all referred. Its more of the level of interest charged on all and natwest gave me a large overdraft on account opening when I already had alot of debt.
Does anyone have any positive outcomes on the above??
Thanks.
Paul says
Hi,
I need advice please.
My Tesco credit card was finally picked up by an ombudsman in August 2020 and they received the info from Tesco in September 2020. I have emailed for an update but all they say is they will be in touch once they review my case.
Should it take this long for an outcome and what should I do.
Thanks
Paul
Sara (Debt Camel) says
phone them up and ask if they need any more information from you, if not, what is the delay?
Paul says
Hi,
Thanks for your reply.
I have checked my emails and I contacted them on 2nd December 2020. They said there was a delay as they requested more info from Tesco which they now have and they would contact me once reviewed. That was 6 weeks ago should they have made a decision by now. If not what options do I have.
Thanks
Paul
Sara (Debt Camel) says
So go back and ask if they have now made progress.