elly,
This forum is not a good place.
You have made it clear you need “Financial help”, the app allows you to spread cast over a period of time and I fail to understand the “Financial” help you need.
The thing about marriage, you help each other out, it is the ultimate welfare blanket where you support and help each other especially if one falls ill.
IF you are expecting Tymit to automatically write off the debt based on a doctors letter, it is not going to happen. In marriage you share each other assets as such you also share each other’s liabilities, the simple fact is you are fit and healthy and even able and time to write a complaint to the FCA.
From a google search, I cannot see any regulation which says a company most write off the debts due to an illness, if that was the case every credit card provider would be demanding our medical records before opening an account.
Tymit has only been around for just under a year, offers a low credit limit, low interest as such it is likely the debt owned will be a small and manageable amount even for one person. Legally, the only help Tymit may provide is point you to these government debt management schemes, charities and welfare but not to write off the debt. (Again please point to relevant regulations if I am wrong)
If it is the case you simply taking ownership of the account, then ignore the last few paragraphs.
IF you need help and Tymit legally has to provide you help (which I believe is not the case) then write to Tymit by letter special delivery. FCA will not help unless you have made a request with Tymit directly in writing and they have not responded reasonably in 30 days.
Also looks at for these government debt schemes, charities and also universal tax credits if you are struggling. If you don’t have the money, then don’t pay the bill and explain this to Tymit, they have an invested interest to help as getting some of their money back is better than getting none at all. Always pay what you can afford (outside food, housing and heating).
If you fail to reach an agreement with Tymit, or fail to pay your bills it will have a major impact on your credit rating, but it is not as if you plan to obtain more credit.
Tymit could go to court at their expense, however, the cost of the court fees are likely to be more than what the debt is worth. Assuming you have no physical assets it is not as if the debt can be recovered.
However, morally people should be legally liable for what they borrow but also providers need to be careful who they lend too. If there are issues it should be sorted out between the parties, via arbitration and finally by the courts.
