Hello my name is ***** ***** I will help you
Did they notify you before they did it?
Is this to do with the Court case? If so, are you asking questions relating to your pleaded defence, ie the one relied on at Court?
What is the value save for any charges and interest?
Just to clarify there was no notice it was increased? When was this?
Default notice or notice of assignment sent?
ok then yes potentially they are in breach. They can raise the credit limit, but should give the customer an opportunity to decline.
There should be a default notice and notice of assignment. If not then the charges are not valid.
Further, they can only ever charge £12 per default as anything more can be challenged.
Can I clairfy anything for you about this today please?
Off the top of my head no I can't tell you.
But it would be in the OFT guidance.
You have already submitted a defence as I understand it, so you can't change it now unless you seek permission of the court. Then you would also be liable for C costs because they may want to file a reply.
But the guidance is from OFT from memory.
Can I clarify anything?
I opt out then, good luck and have a great weekend.