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I had a complaint with the FOS.
I had complained that my bank Halifax lent me money I could not afford to pay back.
I also heavily quoted certain parts of the lending code Halifax breached and my reasons.
I also showed their lending criteria at the time of a loan application.
I also showed screen snapshots of my credit report clearly showing financial difficulties, missed payments, and payments getting lesser and lesser.
I am appalled that the final decision has not been upheld, they have claimed Halifax have done nothing wrong even though I am nearly £10K in debt.
At the time the credits were given, I was never asked to substantiate proof of income, no financial questions were asked, nothing.
They just chucked money at me like water.
I have rejected their final decision and told them where to go.
What it the point of their being an ombudsman service if they never agree with the complainant?
I am registered disabled and in ill health when the credits were given.
I believe that I put together a good case.
Can anyone please help or give me advice!?
I had complained that my bank Halifax lent me money I could not afford to pay back.
I also heavily quoted certain parts of the lending code Halifax breached and my reasons.
I also showed their lending criteria at the time of a loan application.
I also showed screen snapshots of my credit report clearly showing financial difficulties, missed payments, and payments getting lesser and lesser.
I am appalled that the final decision has not been upheld, they have claimed Halifax have done nothing wrong even though I am nearly £10K in debt.
At the time the credits were given, I was never asked to substantiate proof of income, no financial questions were asked, nothing.
They just chucked money at me like water.
I have rejected their final decision and told them where to go.
What it the point of their being an ombudsman service if they never agree with the complainant?
I am registered disabled and in ill health when the credits were given.
I believe that I put together a good case.
Can anyone please help or give me advice!?
