Horrible service

Kindly assist with the following, I bought a TV with house and home 2014 and then shortly join the debt review and paid my account until I felt that I was financially stable and can afford to continue and pay my debt on my own.

I cancelled the debts review process and continued and pay my account off and is 2018 I resign from the company I was working and received a lump-some payment and I was in the position to pay all my debts. I tried to contact house and home and they were unable to pick up my account. As the result I couldn’t settle my account.

I continued to contacted house an house multiple times they couldn’t pick up my account with my ID or other personal details and I even tried to send emails to them and they never responded . They kept on informing me that they can’t pick up my account with the ID and this put me in a very difficult position as I couldn’t pay my account.

I also never received any corresponded for my account and statement ti show how much was outstanding . I then approached the company that was assisting me with the debts review (debt rescue) and informed them that all my debts are all paid and except house and home and if they can assist me and issue the clearance letter . They refuse and informed me that they couldn’t issue the clearance letter there is nothing they can do to assist? I need to deal with house and home.

This has course such an inconvenience to my life and affected me so badly as I’m the single parent and have so much on my plate. I couldn’t clear my name and fix my financial status.The sad part this account doesn’t even appear anywhere under my credit record.

After complaining so many time and trying get the information from house and home for 10 years , calling them almost daily and trying to get the settlement letter , they finally manage to pick my account toward the end of last year and gave me the name of the attorneys my account was handed over to who also never tried to contact me.

I was not happy with that fact that i was never contacted and when I tried to contact house and home they couldn’t give me this info for 10years. I then tried to contact the attorney and they also struggle to pick up my account with my ID and referred me back to house n home. I had to make over 10 calls to house n home again and they finally picked up my account two months back and told me the reference I had to use when I call the lawyers. The lawyer then informed my account was handed over and I need to make the arrangement with them and pay the additional fees for the lawyers.

The problem I’m having now I’m unable to settle the account at the moment as I don’t have access to the money and cannot even make the loan, And this has affected my financial status as I’m working for the financial organisation and they flagged my account and I couldn’t even apply for the staff loan with them because I had to produce the clearance letter first and the review company refused to assist me. House and home expect me to settle the account now and pay the additional fees while they failed to communicate with me and when I reached out they were useless.

My concern are as follows:

1.I was never contacted regarding my account 2 I tried to reach out for years and they couldn’t pick up my account with my ID number,account number or other personal details. 3 This account is not reflecting on my credit record 4 I feel the house and home and the debt rescue failed me. 5. The process for handing over the account was not followed and if they did can they show me the communication . 6. They never responded to my email or even try to contact me regarding this account. 7. I’m not willing to settle this account as I feel they really inconvenience me and frustrated me all along and now I need to settle the account because they finally found my details 8 I’m even willing to take that to the consumer ombudsman if they continue to fails me.

Hope the above is in order and you will be able to assist me.