Banking code and Breach of CCA

[Seeker35]

Hello

 

Can anyone tell if there was any Rullings or banking code

 

that says Banks must consider customers hardship before claiming 'breach' of Credit Card Agreement ??

 

as I stopped paying them becuase they took me off the previouse hardship lower repayment plan

 

without any consultation with me, or reviewing my finanical situation - which was still very bad.

 

They were charging me 23% interest I could not afford !

 

They are taking me to court now - without considering my hardship situation created by 23% interest applied.

[rebel11]

Hi seek

 

The Lending Code which has been around for quite a long time would of covered that, find the Code for the relevant year.

This isn't specifically about 'Hardship', but rather that Consumers should be treated 'fairly'.

 

e.g. :- http://www.lendingstandardsboard.org.uk/docs/lendingcode.pdf

[citizenB]

I think you need to scroll down to Section 9 of the Lending Code for all the information you require

[Seeker35]

Thank you, I'll have a look

 

I'm looking for info to tell me whether banks can claim I breached the Credit Card Agreement - without considering my hardship first

 

Thanks again