P.O. BOX 5, FRODSHAM CHESHIRE WA6 6FL
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PRACTICAL
HELP TO RESOLVE DEBT COMPLAINTS & DISPUTES WITH UK LENDERS (BANKS,
BUILDING SOCIETIES & FINANCE COMPANIES) INCLUDING LIAISING WITH
OMBUDSMAN/ARBITRATOR & SOLICITORS. ALSO FREE DEBT
CONSOLIDATION, DEBT COUNSELLING, ENDOWMENT MORTGAGE, OLD MORTGAGE DEBT
ADVICE.
PROBLEMS WITH YOUR LENDER ?
All Banks and other lenders have Customer Service Departments at a local, area, or Head Office level. ......... Don’t be afraid to complain !! DEBTWISE can help you to draft your complaint. If the complaint reaches a deadlock stage then you can refer it to the appropriate ombudsman. We would also recommend you obtain your file details from the Lender concerned. There is normally a fee for this service (check with lender concerned) but you are entitled to see your file under the Data Protection Act.
The British Bankers Association ( 0207-216-8800 ; http://www.bankfacts.org.uk have free information sheets on 'How to complain to your Bank' which gives guidance. If the lender is not a bank, the Finance & Leasing Association (0207-836-6511 : www.fla.org.uk
can provide a free booklet ‘Consumer Code of Practice’. For DISPUTES see next web page as it is important to take care in what is admitted if liabilities are disputed ..DEBTWISE may be able to help! (see Assessment Form details if help is required.).The Financial Ombudsman Service (0207-9641234) :
www.financial-ombudsman.org.uk produce a guide ‘Your complaint and the Ombudsman’ and provides consumers with a free, independent service for resolving disputes with financial companies who are members of their scheme. DEBTWISE can provide assistance to draft and put the complaint forward.The Financial Services Authority (0845-6061234) www.fsa.gov.uk also produce a
guide regarding dealing with complaints NO CREDIT OR CANNOT OPEN A BANK ACCOUNT ?
If you cannot open a bank account try to find out why! The Information Commissioner’s Office
www.ico.gov.uk (01625-545745) produce a free booklet '
Credit Explained' which is very helpful.
For a credit search against yourself quote your addresses over the last 6 years and send £2 to either of the three main Credit Reference Agencies –
| Experian
www.experian.co.uk Consumer Help Service P.O. Box 8000 Nottingham NG80 7WF 0870 241 6212 Experian offer 30 day trial www.creditexpert.co.uk |
Equifax
www.econsumer.equifax.co.uk Credit File Advice Centre P.O. Box 1140 Bradford BD1 5US 0870 010 0583 ( for enquiries once you have your credit file) |
Callcredit
PLC http://www.callcredit.co.uk/home Consumer Services Team 0870 060 1414 |
NOTE : Credit repair companies are NOT recognised by the above ! The IC Office booklet gives guidance on how to challenge incorrect or out of date information under the Data Protection Act 1998.
The Banks are under no legal obligation to open or operate a bank account although a letter to the Bank Head of Customer Service might have some effect. Also try contacting your local M.P. who might be able to help if there was some form of discrimination.