***urgent advice needed***

[Eagle1977]

Re: ***urgent advice needed***

May be worth another complaint headed Formal Complaint it avoids " brush offs" and you could if the response is inadequate take the complaint to FOS and report to the FCA.
nem

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Yes most certainly!!

nem

With regards to the credit agreement/terms. I am correct and hopefully reading it right, but it does actually read, that if you change address you can notify them in writing.

I don't want to sound thick but please clarify that is actually what it says?

[Kati]

Re: ***urgent advice needed***

With regards to the credit agreement/terms. I am correct and hopefully reading it right, but it does actually read, that if you change address you can notify them in writing.

I don't want to sound thick but please clarify that is actually what it says?

That's exactly what it says here :tinysmile_twink_t2:

14.3 You can notify us by writing to Vanquis Card, Customer Service, P.O Box 399, CHATHAM ME4 4WQ or by telephoning 0871 770 5555. We may ask you to confirm in writing any notice you give us by telephone.

[nemesis45]

Re: ***urgent advice needed***

That's exactly what it says here :tinysmile_twink_t2:

Spot on Kati, the content is very clear!!

nem

[Eagle1977]

Re: ***urgent advice needed***

Spot on Kati, the content is very clear!!

nem

I've sent a letter off today outlining this issue. Do you I'd have any luck with the FOS with this, or maybe court action?

[nemesis45]

Re: ***urgent advice needed***

I've sent a letter off today outlining this issue. Do you I'd have any luck with the FOS with this, or maybe court action?

F

FOS will tell you if they believe if there is something they might get involved in if you phone
and out the problem to them.

nem

[Eagle1977]

Re: ***urgent advice needed***

F

FOS will tell you if they believe if there is something they might get involved in if you phone
and out the problem to them.

nem

Thanks nem,

Can I ask you another question. Sorry to go on. It might be a little trivial but I'm willing to fight at all angles.

Ok, so I have established that the DN, TN and NOA were allegedly sent to my previous address. Despite the creditor documenting my request to change address and not auctioning it.

The account is now owned by Cabot who conducted a trace search on my CF at my current address. Now, three days later, they claim the NOA was sent out to my previous address. Even though a trace search showed my current address.

The default on my credit file is registered in my current address. Why then, was the default not registered in my pervious address, when they claim the DN, TN and NOA were all sent out to my previous address?

Sorry it sounds confusing,

Eagle

[nemesis45]

Re: ***urgent advice needed***

Thanks nem,

Can I ask you another question. Sorry to go on. It might be a little trivial but I'm willing to fight at all angles.

Ok, so I have established that the DN, TN and NOA were allegedly sent to my previous address. Despite the creditor documenting my request to change address and not auctioning it.

The account is now owned by Cabot who conducted a trace search on my CF at my current address. Now, three days later, they claim the NOA was sent out to my previous address. Even though a trace search showed my current address.

The default on my credit file is registered in my current address. Why then, was the default not registered in my pervious address, when they claim the DN, TN and NOA were all sent out to my previous address?

Sorry it sounds confusing,

Eagle

To me it looks like a ploy to get a judgement by default has gone pear shaped on Cabot and someone is trying
to get out of the mess created.

Personally I would be looking for explanations by way of a formal complaint to FOS and a report for information to the FCA.

nem