No he has not complained formally to the Financial Ombudsman because he is informed that he has to wait 8 weeks from Amigo's acknowledgement of receipt of letter before he can apply.
I am not sure whether Amigo were aware of his age but I suspect so. I have the tape of the conversation and it was very professional no doubt ticking all the boxes. I do not believe they were aware of his health until he wrote asking for the release when he explained he was unwell and had been in hospital.
The renewal phone call was made using the woman's phone with her prompting his replies in the background.
In the documentation it advises him to take legal advice. He lost the documentation. I had to write to Amigo for it on his behalf which is why I now have it.
Thanks. This is very helpful. My friend has been supplied with a CD of the conversation relating to him agreeing to be a guarantor for the renewed loan.
What will happen if I send the letter and also say he cannot afford to make any further payements as he has run out of savings and ask them not to take anything further until the matter is resolved and then cancels the authority with his bank?
His financial situation is even worse. Th same woman who had no car persuaded my friend to go with her to a care hire car firm where she signed a four week hire agreement and myu firend gave his credit card details for payement in case she could not pay again acting like a guarantor altjogh he signed nothing. Several months later he discovered that he had paid out £1560 for the care hire which was still continuing including the parking fines. I contacted the car hire firm and explained they had no authority to continue taking his money and they stopped doing so. He asked for a refund and although the person we spoke to was very sympathetic the following week he was fired. So we wrote to the company who have washed their hands of the matter. My friend's bank have reported it to their Fraud Department who have written to the company but are doubtful if they can help because he voluntarily gave his credit card details.
Is there any way he can get his money back?