Dont trust the FOS, they are opinion makers and are living on another world.

If you are in debt, go bankrupt. These debt companies are like vultures, if your partner is pregant leave the country, because there is a very good chance she will not have the baby due to treats,excessive phone calls and harrassment. A corrupt system, banks lie, codes and acts are breached, FSA just watch and dont do anything. A failed system, no, banks are fully protected.

Ex IFA / Director ( 20+ clean service )