In reply to Sara (Debt Camel).

Hi Sara
I sent my complaint to the FO, they responded via email requesting the following:
FROM FO: Please advise me the date that you became aware that the account was unaffordable, and when you began blaming or partially blaming the business for this?
Is there a reason that when you started to struggle to make repayments, and at the times of credit limit increases, that you did not partially blame the business by way of contacting their complaints team or other?

Sara, today I responded to the email, with the advice given previously regarding timescales. An in depth detailed ‘picture’ of my circumstances during the timeline and to date (mental, financial and emotional)
my lack of knowledge or understanding of responsible lending, or that there were indeed any timescales for complaint, or I had a case to complain? I thought it was all my fault.
I received this response within the last half hour from the FO:
Thank you for sending the below information to me. This can now be reviewed as part of your complaint.
I will make contact with you in due course.
Should I have any further questions during the investigation, I will send these to you by email.
Thank you for your patience whilst the complaint investigation is completed.

Sara, I want to thank you for giving me the confidence to even take these steps, I’m not sure how long it takes for an outcome. I shall update you when I hear kind regards debbie