In 2021, I purchased a ₤ 3,000 laptop computer with a three-year lending fromKlarna I made the last settlement in April and obtained verification it had actually been shut. But currently an additional firm is chasing me for almost ₤ 200 it states I still owe.
Despite having actually made that last settlement, the adhering to month I obtained a letter that claimed the “ownership of your loan account” had actually been moved to JC International Acquisition (JCIA) and I owed ₤ 184.48.
It claimed CreditLink Account Recovery Solutions (Cars) would certainly show up on my financial institution declarations, and “your existing payment date, and agreed payment amount, will remain the same”.
I was clearly surprised. How can 2 firms I have never ever become aware of have accessibility to my financial institution information for a financing I have repaid? The just factor they have actually been incapable to take out cash is due to the fact that I have actually opened up a conflict.
I attempted to arrange this out yet it is currently August and Klarna has actually not responded to a demand from JCIA to validate my lending is paid back, and these companies are calling me.
EA, Rochester
You have actually been dealt with really terribly. The history below is that in 2023 Klarna made a decision to close Klarna Loans, a managed funding item which billed rate of interest for a longer-term lending, and unrelated to its buy-now-pay-later items.
In the springtime, all the exceptional accounts were moved to JCIA on the exact same terms, and consumers were informed that it would immediately move their straight debits.
Obviously, the handover did not do without a drawback. Not all the accounts depended on day, so consumers wound up paying excessive and, sometimes, JCIA improperly advised Cars, its financial debt debt collection agency, to chase after settlement.
Klarna ensures me that JCIA is currently immediately providing reimbursements to those impacted. You need to never ever have actually been captured up in this mess and after I called Klarna it swiftly solved this and JCIA has actually validated your account is shut.
Klarna has actually sent you an apology and provided ₤ 200 payment, which you approved. It recognizes that its handling of your situation was “poor” and is sorry for the “missed opportunities to resolve your issue sooner”.
In instances such as this, I recommend that individuals grumble to the Financial Ombudsman Service yet you have actually currently done so. I want to learn through other individuals impacted by this.
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