Disappointing Experience and Lack of Accountability I have had an incredibly frustrating experience with Freemans that remains unresolved despite raising multiple complaints. 1. Default Notice Handling: A default was applied to my account on 12/03/2024. During a conversation with Matthew Reynard, the Compliance Manager at Freemans, on 18/09/2024, I was told that even if I had cleared the balance of £168.19, the account would still have defaulted due to unresolved issues. This raises serious concerns about transparency and fairness in their processes. 2. Account Closure and Sale: My account was closed on 09/05/2024 and sold to Lowell Financial the very next day. I find it highly questionable that an account could be closed and sold so quickly without resolving disputes or providing clear communication with me. 3. Complaint Handling: Freemans has refused to reopen my complaint and address these issues fully. Instead, they’ve redirected me to Lowell Financial, who inherited the account. This lack of accountability and refusal to resolve the matter is unacceptable. These unresolved issues have left me dealing with a damaging default on my credit file, which I believe does not accurately reflect my financial conduct. I am now escalating this to the Financial Ombudsman as Freemans has failed to provide fair and reasonable support. If you value transparency, accountability, and proper handling of your financial matters, I would strongly advise reconsidering doing business with Freemans.