Did you say you wanted to make a formal complaint? I would do this in writing because nothings probably going to happen if you mumble it over the phone.
When you make a complaint they are obliged under the FCA rules to investigate the complaint and put any debt collection on hold until that investigation has concluded.
Im also wondering if there is anything in the terms and conditions that says if the HP agreement terminated then the GAP also terminated at the same time.
i have yet to see the full terms and conditions of the agreement so please can you upload it in full with any personal info redacted? It’s very difficult to help when I can’t see all of the agreement and certain clauses are cherry picked.
Either way, I don’t think FCA can terminate the agreement unilaterally, especially if there is nothing in the agreement. That would amount to wrongful termination and if I recall, case law suggests you don’t have to pay them a penny because it amounts to a material breach of contract. The way FCA are acting is akin to them terminating the contract without having the right to do so and you could accept that material breach but you would need to put it in writing.
Anyway, before embarking down that route, the full terms and conditions would be helpful and we can start from that
When you make a complaint they are obliged under the FCA rules to investigate the complaint and put any debt collection on hold until that investigation has concluded.
Im also wondering if there is anything in the terms and conditions that says if the HP agreement terminated then the GAP also terminated at the same time.
i have yet to see the full terms and conditions of the agreement so please can you upload it in full with any personal info redacted? It’s very difficult to help when I can’t see all of the agreement and certain clauses are cherry picked.
Either way, I don’t think FCA can terminate the agreement unilaterally, especially if there is nothing in the agreement. That would amount to wrongful termination and if I recall, case law suggests you don’t have to pay them a penny because it amounts to a material breach of contract. The way FCA are acting is akin to them terminating the contract without having the right to do so and you could accept that material breach but you would need to put it in writing.
Anyway, before embarking down that route, the full terms and conditions would be helpful and we can start from that
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