Thames credit

[fuzzybrain]

Re: Thames credit

Well it's already in with FOS - and funny enough it's excatly the 14 days that they had to respond before FOS passed it over to a case worker......

Do i need to send a copy to FOS and explain why I am dissatified with AK response and that I feel teh matter is not concluded to my satisfaction?

[Curlyben]

Re: Thames credit

Yeppers.FOS will need this anyway as it's their final response.

[fuzzybrain]

Re: Thames credit

Ok, will work on a response over the weekend. Is it ok to email it over to you for advice and recommednations when it's done?? Pretty pretty please with a cherry orchard on top ray2:

[Curlyben]

Re: Thames credit

always

[fuzzybrain]

Re: Thames credit

Well inbetween me trying to come up with a response, FOS have responded to my complaint and told me to bog off. However they have got everything mixed up comletely

They state in their response they refer to a cap 1 account - but the complaint is about an old barclays account. I have written to FOS about my cap 1 account too, but that is a completely seperate matter.

Anyhow their reponse is that they don't get involved with unenforceable agreements - they fact that they have one is enough proof to demand and expect payment. They state it is a legal matter and only the courts can resolve that one, so they are not upholding may account.

Is there any point in reponding to FOS - as even if i point out they are referring to a cap 1 account when the account in question is a barclaycard one, they are obviously not going to uphold the unenforceable agreement to my favour.

Should I wait and see what AK do next. They will have to take me to court as hell will freeze over before i pay them another penny

[fuzzybrain]

Re: Thames credit

Have received the 2nd response back from FOS and its still a bog off and that unenforceable agreements are a court matter.

So AK have crawled out from under their rock and have now sent me a letter letting me know FOS has rejected my claim and I need to start repaying them asap. They have invited me to conatct them with my proposal.

Any ideas what i send them???

[fuzzybrain]

Re: Thames credit

And they rear their ugly mugs again!! I have sent this letter from Appleton Massey - can I have some advice on what my next step is please?

[MIKE770]

Re: Thames credit

Have received the 2nd response back from FOS and its still a bog off and that unenforceable agreements are a court matter.

So AK have crawled out from under their rock and have now sent me a letter letting me know FOS has rejected my claim and I need to start repaying them asap. They have invited me to conatct them with my proposal.

Any ideas what i send them???

Court matter sounds familiar from FOS I have had the same type response to my HSBC complaint yesterday to them quoting the same wording it is now 2012.