Can’t pay my Ocean Credit Card
If you can’t pay your Ocean Credit Card bill on time, you need to take action quickly. Do not ignore the situation and hope it will go away. Debt has a nasty habit of spiraling out of control.
If your Ocean Credit Card is one of several loan repayments you are struggling to make, you should consider setting up a Debt Management Plan with a reputable Debt Help Organisation We recommend this organisation because they are leaders in the debt help industry and get excellent reviews.
I can’t pay my Ocean Credit Card bill, what should I do?
It is not uncommon for people to be in your situation. Debt can creep up on us very unexpectedly. The Ocean Credit Card is aimed at people who have a bad credit scores. So it is even more common for people to end up having difficulties with their Ocean Credit Card.
The action you take depends on how serious your situation is. If you are able to pay all of your bills except your Ocean Credit Card then your situation is probably not so serious. You should be able to get back on your feet with some good planning. We suggest you contact Ocean Credit Card customer service and discuss your problem. Explain your situation and why you are unable to make your credit card payment. Hopefully they will be understanding and allow you some breathing space to get the money together to make your payment.
If your Ocean Credit card is just one of several bills you are unable to pay then read on…
I have several overdue accounts with multiple lenders, what should I do?
If your Ocean Credit card is just one of several bills you are unable to pay then you should probably get professional debt help from an experienced debt help organisation like this one.
A good Debt Help Organisation (like the one we recommend) should be able to:
- Become the main point of contact regarding your debt so your creditors stop contacting you
- Negotiate a significantly reduced monthly repayment
- Negotiate that your interest rate be lowered or even frozen so no further interest is charged
- Negotiate a discount on the total amount you owe. In some cases people have had up to 83% of their debt written off.
- Manage the payment of your debts. So you would make one monthly payment to the debt help company and they would then divide your payment between your creditors.
- Provide you with general tips on getting out of debt
In summary, if you have a temporary cash flow issue resulting in you being unable to pay one of your creditors, you can probably tackle the problem yourself. However, if you are behind with payments to several lenders then it would be wise to get assistance from and experienced debt help organisation.
Do you need to make a complaint about your Ocean Credit Card?
This is what Ocean Credit Card say on their website about making a complaint.
It is our aim to provide a very high standard of service to every customer. If you are unhappy, for any reason, with the service we provide to you we would welcome your feedback and the opportunity to put things right. It is important to us that all complaints are resolved as quickly as possible and to the complete satisfaction of our customers.
This explains how we will deal with any complaints we receive. It also tells you what you can do if your complaint is not resolved to your satisfaction.
If you have a complaint
If you have a complaint about any aspect of our service then we would like to hear from you. You can contact us by telephone or in writing.
To help us to investigate and resolve your concerns as quickly as possible, you should in the first instance discuss the situation with your Adviser or Processor. It will help us to deal with your complaint quickly if you can provide the following information:
- your full name and address and a daytime contact telephone number;
- full details of your complaint;
- your account details and any policy numbers as relevant;
- details of what you would like us to do to put things right; and
- photocopies of any relevant paperwork.
We will try to resolve your complaint within three working days of receipt. If this is achieved we will write to you, by email or letter as appropriate, to confirm that your complaint has been resolved and to explain your next steps. If we are unable to resolve your complaint within this timescale we will acknowledge your complaint in writing within five working days and provide details of the person who will be dealing with your complaint.
We may ask you for further information to allow us to better understand your concerns. Once we have completed our investigation we will tell you our findings and, if appropriate, how we will put things right.
If we are unable to send a final response to your complaint within four weeks we will write to you or telephone you explaining why we have not yet resolved the complaint and indicating when we will contact you further. If your complaint is particularly complicated, we will keep you informed of the progress of our investigations.
If we are unable to provide a final response within eight weeks, we will confirm this in writing and provide a timescale within which you can expect a final response. If, at this time, you are dissatisfied with the delay, you may refer your complaint to the Financial Ombudsman Service.
Ocean Credit Card contact details
You can contact Ocean Credit Cards in several ways:
Over the Phone
To make a complaint over the phone, please call Ocean on 0161 672 7575
Monday – Thursday 9am – 8pm
Friday 9am – 5.30pm
Alternatively, you can put your complaint in writing and send it to:
The Financial Ombudsman Service
The Financial Ombudsman Service is an external body which plays a key role in the complaints process. The Financial Ombudsman is an impartial and independent organisation formed to help settle individual disputes between consumers and financial services businesses without taking sides.
Taking a complaint to the Financial Ombudsman Service
If Ocean Credit Card has not been able to resolve your complaint to your satisfaction once they have given you their decision, you are able to refer your complaint to the Financial Ombudsman. They will only investigate your complaint if you have already tried to resolve it with Ocean Credit Card first or if it has been more than eight weeks since you first raised your complaint with Ocean Credit Card.
If you are going to the Financial Ombudsman Service because you are unhappy with the outcome of your complaint, you will need to do this within six months of receiving their final response letter.
You also need to contact the Financial Ombudsman Service within six years from the event you are complaining about (or – if later – three years from when you knew, or could reasonably have known, you had cause to complain).
Contacting the Financial Ombudsman Service
You can contact the Financial Ombudsman Service:
Financial Ombudsman Service
by email: firstname.lastname@example.org
by telephone : 0800 0 234 567
You can contact the Financial Ombudsman Service via an Online Dispute Resolution (ODR) platform that has been created by the European Commission.
The ODR platform will forward your complaint to the Financial Ombudsman Service.
For more information about ODR please visit the European Commission website.
Before you are entitled to go to the Financial Ombudsman Service, you may find it helpful to make use of the FLA’s conciliation scheme to resolve your complaint.
You can write to: the FLA’s Conciliation and Independent Arbitration Scheme, addressed to:
The Compliance Manager
Finance & Leasing Association
London WC2B 6UN
Fax: 020 7420 9600
Ocean Credit Card – The legal stuff
The Ocean Credit Card is issued by Capital One (Europe) plc. Intelligent Lending Limited (trading as Ocean, Ocean Mortgages and Ocean Finance) acts as a credit broker for Capital One on an exclusive basis in respect of the Ocean Card and is paid by Capital One for these services. Registered office: Think Park, Mosley Road, Trafford Park, Manchester, M17 1FQ. Registered in England and Wales, (Company number 4291279). Authorised and regulated by the Financial Conduct Authority in respect of consumer-credit related activities and is an appointed representative of Think Insure Limited, FCA registration number 310071, and Intelligent Lending Limited, FCA registration number 310069, both of which are authorised and regulated by the Financial Conduct Authority in respect of their insurance mediation and regulated mortgage activities.
MasterCard ® is a registered trademark of MasterCard International Incorporated. Capital One® is a registered mark of Capital One (Europe) plc. Registered Office: Trent House, Station Street, Nottingham NG2 3HX. Registered in England and Wales (Company Number 3879023). VAT Registration Number 690 6861 01. Authorised and regulated by the Financial Conduct Authority.