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Raging Frank

Mis-sold Store, Catalogue & Credit Card
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By David Turner

Repayments on your catalogue card may be too high to manage, often forcing you into deeper and deeper debt. This could be the result of a card and credit limit which should never have been provided in the first place.

Published: 12/02/2025 – 11:59 | Updated: 12/02/2025 – 16:10

Motivated by Refunds

🚨 Maxed out on debt? Credit card slapped you with limits you couldn’t handle? It’s time to fight back! 💪💥

🔥 Jump straight to battle: Intro | Do I have a claim? | How to hit back

📣 The truth – raw & uncut

Did your credit, catalogue or store card limit skyrocket outta nowhere – and leave your finances in a bodybag? They said “here’s more spending power,” but all they gave you was a ticket to debt city, bro! 💳💣

💥 The industry got exposed

“Around 650,000 people stuck in persistent debt for 3+ years. 750,000 more just scraping by with minimum payments. That’s a financial warzone.” – FCA

Want evidence? Check this complaint victory from the Ombudsman: www.financial-ombudsman.org.uk/decision/DRN-4721834.pdf

🏆 Claim what you’re owed. Take what’s yours.

If you’ve been drowning in credit card debt for years or your limit got boosted without a second glance at your income – you might have a legit claim!

This isn’t whining – this is holding the system accountable. 💪🔥

⚖️ The law of the land

  • ✅ Lenders must check if you can actually afford the debt.
  • ✅ They must reassess before jacking up your credit limit.
  • 🚫 It’s not affordable if it leaves you broke after bills.
  • 🚫 Borrowing more than you repay = a ticking time bomb.
  • ✅ You should be able to pay it off within a reasonable time.

🚨 When you’ve got a case

If they gave you credit even when they knew:

  • 😬 You had missed payments, defaults, or credit score issues.
  • 💳 You were only paying minimums on other cards.
  • 💸 Your debt was insane compared to your income.

🔥 Credit limit increases – aka financial bodyslams

If they still raised your limit while knowing:

  • 📉 You only paid the minimum for months on end.
  • ⏳ You missed payments or had payment plans.
  • 🚫 Your debt was growing faster than your income.

⚔️ How to strike back and claim your cash

  1. 💻 Go to the lender’s site. Find the “complaints” page.
  2. ✍️ Write your complaint. Use facts. Use fire. Be clear.
  3. ⏱️ They’ve got 8 weeks to respond. Don’t let them ghost you.

If they reject you – don’t whimper. Escalate to the Financial Ombudsman: www.financial-ombudsman.org.uk

❓ Don’t have the card info? No problem.

Send them a DSAR – a Data Subject Access Request. They’ve got one month to give you your records.

Include:

  • 👤 Full name
  • 🎂 Date of birth
  • 📍 Address (from the time)
  • 🧠 Anything else they can use to find you

Stop being silent. Start getting even. 💪🔥

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Know the rules. Own the game.

This site? It’s built for warriors — not whiners. We’re here to arm you with real-world info to help take down financial deals you may have liked. We’ve got over two decades of street-level intel from the claims game and the financial trenches. But hey, we’re not your mum or your money manager — you use our tips at your own risk. You mess it up? That’s on you.


  1. No, this isn’t financial advice. We’re not FCA-regulated suits. We’re not liable if you jump without checking your parachute.
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    This is our turf — our views, our words, our battle scars. Take what helps. Leave the rest.
  3. 💰
    We don’t earn a penny from this forum. We’re not selling snake oil. Just helping you dodge the traps we’ve seen a hundred times before.
  4. 🔗
    We link to other sites when it’s useful — but we don’t babysit their content. Click smart.
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    This forum’s a free-for-all — anyone can post. Just because it’s here doesn’t mean it’s gospel. Use your head.


✔️

Listen up: How this website & forum rolls


⚔️

Know the rules. Own the game.

This site? It’s built for warriors — not whiners. We’re here to arm you with real-world info to help take down financial deals you may have liked. We’ve got over two decades of street-level intel from the claims game and the financial trenches. But hey, we’re not your mum or your money manager — you use our tips at your own risk. You mess it up? That’s on you.

  • No, this isn’t financial advice. We’re not FCA-regulated suits. We’re not liable if you jump without checking your parachute.
  • This is our turf — our views, our words, our battle scars. Take what helps. Leave the rest.
  • We don’t earn a penny from this forum. We’re not selling snake oil. Just helping you dodge the traps we’ve seen a hundred times before.
  • We link to other sites when it’s useful — but we don’t babysit their content. Click smart.
  • This forum’s a free-for-all — anyone can post. Just because it’s here doesn’t mean it’s gospel. Use your head.


✔️

Listen up: How this website & forum rolls


⚔️

Know the rules. Own the game.

This site? It’s built for warriors — not whiners. We’re here to arm you with real-world info to help take down financial deals you may have liked. We’ve got over two decades of street-level intel from the claims game and the financial trenches. But hey, we’re not your mum or your money manager — you use our tips at your own risk. You mess it up? That’s on you.

  • No, this isn’t financial advice. We’re not FCA-regulated suits. We’re not liable if you jump without checking your parachute.
  • This is our turf — our views, our words, our battle scars. Take what helps. Leave the rest.
  • We don’t earn a penny from this forum. We’re not selling snake oil. Just helping you dodge the traps we’ve seen a hundred times before.
  • We link to other sites when it’s useful — but we don’t babysit their content. Click smart.
  • This forum’s a free-for-all — anyone can post. Just because it’s here doesn’t mean it’s gospel. Use your head.