You can simply duplicate this new criticism you taken to the lending company

You don’t have to determine something otherwise ask for a particular amount. Otherwise yet , possess a listing of your own funds, say you really have required you to however the bank hasn’t delivered it.

Just what in the event that you say to FOS?

  • State should you have a poor credit number, particularly when they had tough because you continued borrowing out-of the home lender.
  • Say for individuals who paid back certain financing early as you refinanced your own loan. Right here you have got repaid more inside notice than for people who had merely started considering an additional financing. Whether or not it wasn’t told your by the agent (and i also choice it wasn’t!) then chances are you reduced so much more desire than simply you should have.
  • Together with give brand new Ombudsman whether it is constantly your own agent indicating you borrow more, possibly because try taking close to Christmas, or perhaps in August once you need more cash for brand new college uniforms, or since you had paid back a good amount of a past mortgage. A lender in your house should simply bring financing in the event the you had questioned them in writing for this. So if this occurred to you, mention it on your grievance towards the Ombudsman.

Upload their bank statements and credit file

Posting their financial comments together with your issue. For many who have not got everyone, upload of those you do have and set in the asking their lender for the rest, then post men and women. You are likely to winnings a criticism for people who send him or her, specifically if you merely got a few money.

For those who have borrowed for decades therefore the heap off comments might be Grand, it’s still smart to get them all the today, nevertheless you will definitely up coming wait and find out just what ombudsman requires getting.

Don’t worry if for example the financial statements show enough gaming. The newest Ombudsman simply accepts you’ve got a gaming disease, you might nevertheless earn these complaints.

Will also get a copy of 100 % free TransUnion Legal Credit history and you may upload they on the Ombudsman with your complaint. Don’t be concerned that you can’t rating an old credit report – the Ombudsman does know this actually you are able to.

Have you got a recently available loan?

You could whine whenever you are nevertheless repaying a loan. For folks who give the lender you would like a payment arrangement, they must will let you spend quicker each week more a great extended several months in place of adding more focus.

But if you enjoys almost every other disease expenses too, communicate with StepChange in addition they can see when the a loans government package would help.

You can even however grumble if you’re when you look at the a personal debt government package. But don’t irritate whenever you are inside the a keen IVA, bankruptcy proceeding otherwise good DRo.

Require some assist?

You don’t have an attorney or a states team. They take plenty of your reimburse and you will generate a better claim your self than just they may be able. A good claim comes to telling your own tale, guess what occurred and you can a shows providers cannot!

Statements or inquiries?

Hundreds of members keeps posted comments lower than how the grievances are getting and the accomplishments they have got. If you have a question, ask it right here!


Hello there, I do believe I became mis offered over ten unaffordable home action provident fund inside the a vicious cycle over a fifteen 12 months several months. I got multiple accounts in order to from lay the newest money. I had in order to ccj and you may cc debit during the moments and you will got an overdraft that have barclays to help you barrier my personal day to day living will set you back. We have placed on the fresh new scheme but I would like to need next action to get a refund to your step apr it put on the my funds. The stress