Hi
I was made redundant last year followed up with a difficult time with depression which I am now over with.
I had a good pay off and made regular payments to my direct debits but noticed that I had a letter from one Credit Card saying I was five months in arrears. When I complained they said they had cancelled my direct debit as I had missed a couple of earlier payments.
I looked through all the terms and conditions of the card and no where is this process mentioned - I can't find any reference to this or the law surrounding it nor can I find a lawyer who will advise me on this. The only thing I can find about cancelling direct debits is when it's a consumer cancelling it and the direct debit guarantee.
They also tell me they wrote to tell me about this earlier last year but I didn't receive the letter - I have a process of scanning every letter I have when I receive it so would not have missed it.
What rights do I have - I've exhausted their complaints process and am a bit wary of the Financial Ombudsman.
Thanks