Online Banking with email communications ? Or mobile Banking app ? Or is it old fashioned posted letters/statements ? Normally Banks issue notification of at least 2 months about credit limit changes. And account holders normally are asked to contact the Bank, if they have any issues with new limit. Suggest complaining to Bank of Scotland, asking what notification they issued ? And given the reduced limit now means you are over the limit, how are they reporting this to the CRA's, how long are they giving you to reduce the credit balance to below the credit limit etc. Ask them these questions which foll

What’s important to remember here is that besides an apology and putting things into place to minimise the likelihood of it happening again there’s not much else that they can realistically do. If someone feels they need support then it’s important that they ask for it and make their expectations clear about what they need. It’s entirely possible that there will be/have been disciplinary actions taken but it’s not for the response to the complaint to specify what happened and to whom.

As said earlier the DN 87 is a different thing to a notice to place the marker on the file. Further such a notice can be sent and recorded at any time before the statutory section 87 notice is sent. But The CRA must give information which is correct, and after a section 87 default has been sent the file must record this. in that case a thirty day notice must be sent to the debtor ASAP after the 87DN(or with it) then a default recorded So to repeat , the recording of the default on your file may be made at any time before the section 87 notice is sent, but must be recorded as soon as the 87 is issued. When

, I have complained to everyone listed I will keep you updated on responses I get thank you all

Hi The letter sent to the hospital main reception I am afraid will more than likely be passed to PALS and as I have previously stated as this is a Breach of Medical Confidentiality & Data Protection it will be outwith their remit. PALS is setup to look as if they are their to help and assist patients but in reality they are their to protect the NHS. Again please follow my advice given in post#2

Hello, Thank you for the advice you have given me, the letter is not from my area but there address is north and west oxon Adult mental health team the elms centre oxford road banbury oxfordshire OX16 9AL