even though Financial Ombudsman hasn't decided conclusion of my 2nd complaint?
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In March 2014, I made a complaint to the FO because the DC had gone beyond 13 weeks to reply my request for the documents held on file on their records. The DC informed me that they have to go back to the creditor for the paperwork.
They dragged their feet and after 13weeks, I thought was an unreasonable length of time to advise me of any delays in resolution of getting back to the creditor and then back to me.
So because this DC had being reprimanded in Oct 2010 by the OFT on the same matter, I wrote to the FO stating that the DC had again broken Point 2 of the OFT's guidelines "shall keep consumers advised, in writing of any delays in resolution of the investigation".
Following a prompt from the FO, the DC finally provided the Credit Agreement and T&C and apologised for the delay in responding to my request. I took this apology to be that they accepted that they had not followed the OFT's guidelines again and had I not written to the FO they would have had me waiting forever to answer my request.
As I now had the photocopied paperwork (wanted to see if the CA was legal), I informed the FO they can close the case as the DC had finally replied me.
In Dec 2014, I learnt that the DC's solicitor had being told by the DC that my complaint was rejected by the FO is the reason why they can proceed with issuing a court claim.
I telephoned the FO and they said, there is no record of a rejection because their records state there was never an investigation. This is because even though they did raise a complaint on my behalf, seeing that I informed them in Apr 2014 that the issue had being resolved and requested the case to be closed, there was no further action taken by them.
So late Dec 2014, I raised another complaint to the FO asking to look into why is a DC allowed to give incorrect information to their solicitor who no doubt will pass that to a judge?
As I haven't heard back from the FO, I did a follow up on Jan 2015 and yet the DC solicitor insists on Mar 2nd they will be issuing court papers for collection of the 'outstanding balance' plus added court costs.
My question is:
In addition to what I've learnt here to place on my defence form, (thanks LegalBeagles team:tinysmile_twink_t2 can I also say that there is an ongoing FO investigation?
Thanks for reading and look forward to any suggestions and pointers!
____________
In March 2014, I made a complaint to the FO because the DC had gone beyond 13 weeks to reply my request for the documents held on file on their records. The DC informed me that they have to go back to the creditor for the paperwork.
They dragged their feet and after 13weeks, I thought was an unreasonable length of time to advise me of any delays in resolution of getting back to the creditor and then back to me.
So because this DC had being reprimanded in Oct 2010 by the OFT on the same matter, I wrote to the FO stating that the DC had again broken Point 2 of the OFT's guidelines "shall keep consumers advised, in writing of any delays in resolution of the investigation".
Following a prompt from the FO, the DC finally provided the Credit Agreement and T&C and apologised for the delay in responding to my request. I took this apology to be that they accepted that they had not followed the OFT's guidelines again and had I not written to the FO they would have had me waiting forever to answer my request.
As I now had the photocopied paperwork (wanted to see if the CA was legal), I informed the FO they can close the case as the DC had finally replied me.
In Dec 2014, I learnt that the DC's solicitor had being told by the DC that my complaint was rejected by the FO is the reason why they can proceed with issuing a court claim.
I telephoned the FO and they said, there is no record of a rejection because their records state there was never an investigation. This is because even though they did raise a complaint on my behalf, seeing that I informed them in Apr 2014 that the issue had being resolved and requested the case to be closed, there was no further action taken by them.
So late Dec 2014, I raised another complaint to the FO asking to look into why is a DC allowed to give incorrect information to their solicitor who no doubt will pass that to a judge?
As I haven't heard back from the FO, I did a follow up on Jan 2015 and yet the DC solicitor insists on Mar 2nd they will be issuing court papers for collection of the 'outstanding balance' plus added court costs.
My question is:
In addition to what I've learnt here to place on my defence form, (thanks LegalBeagles team:tinysmile_twink_t2 can I also say that there is an ongoing FO investigation?
Thanks for reading and look forward to any suggestions and pointers!
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