She Fight Beyond the Property: When Banks and Telecoms Betray You

Chapter 2 - The Financial Institutions Betrayal

From Property Scams to Financial Warfare

After surviving the chaos of fraudulent property developers and unfinished investments, I thought the worst was behind me. But the truth? The battle had only just begun.

As I embark on this exciting new chapter, I'm eager to uncover the surprising realities on financial institutions and telecom giants - entities we rely on to protect our savings and keep us connected every single day, so let's explore this journey together!

Yet, beneath their polished exteriors, they can sometimes operate as silent predators in our lives, prioritising profits over our well-being and leaving us vulnerable in an increasingly complex financial landscape. It's time to uncover their practices and understand how they can impact us when we least expect them

The Credit Card Trap: The Art of A Glittering Lie

In 2019, I was lured by NewDay Ltd's Amazon partnership, which offered a £5,000 credit limit and sparkling and promising rewards. It felt like a lifeline, especially during the time when the world always shut down, A.K.A. COVID-19. But behind the glitter and promises, little that you know, there was a nasty, discriminatory and transphobia untrained NewDay's associates, I am talking about from the customer support to the cyber security teams.

One blocked transaction spiralled into a humiliating fraud accusation. I was mocked, laughed at, shouted, talked down, doubted, and dismissed - all because I dared to joke about my age. Their disbelief wasn't just identity - It was purely and simply discrimination.

I fought back! Damn right! I gathered evidence, recorded calls, filed a complaint, reported it to the Ombudsman, and sued them. And guess what?? That's right, I bloody won! However even after victory, NewDay to this day as I am writing this, NewDay continued to threaten, sold my acount to a morecroft Ltd and Lowell Finance LLP, as you all know these are debt collector company, to make sure they put me on the records by placing a default marks on to all three credit reference agencies up to now for the last five years to which I suffered from credit, mortgage and all. However, it is only another year, and I am free. The emotional toll was immense - from panic attacks, hospital visits and a haunting sense of betrayal.

Chapter 3 - BT's Default Nightmare: £38 That Almost Broke Me

Between 2021 and 2023, BT claimed I owed £ 38 from years ago. I had proof of payment, but they didn't care. They sent letters, called, threatened — it was relentless.

Despite providing ample evidence of my payment, which included receipts and transaction records, each interaction with customer service felt increasingly like an uphill battle. The representatives I spoke with seemed more baffled by my case than the last, often leaving me to repeat my story multiple times, which only heightened my sense of frustration.

Customer service became a battlefield. Each call was a repeat of the last, and each representative was more confused than the one before. escalated, documented, and even involved the Financial Ombudsman. They sided with BT. But I didn't give up. I contacted senior management, presented my case, and, after years of torment, BT finally removed the default from my credit report.

To resolve the matter, I escalated it to the Financial Ombudsman. Unfortunately, after reviewing the evidence, they sided with BT, leaving me feeling disheartened. However, I remained determined and refused to let this setback defeat me.

Recognising that standard channels were yielding little progress, I took the initiative to reach out directly to senior management at BT. In my correspondence, I carefully articulated my situation, emphasising both the financial and emotional impact this charge had on me. After several rounds of communication and detailed explanations of my case, I finally received the news I had been hoping for—the default was removed from my credit report!

This journey was not only about reclaiming my credit rating but also served as a profound reminder of the power of determination and resilience. The experience reinforced my belief that while the path to resolution may be fraught with challenges, proactive engagement and unwavering optimism can lead to positive outcomes.

What I've Learned - What You Must Know

• Persistence is Power: Never back down. Your voice matters.
• Document Everything: Emails, calls, receipts — your paper trail is your shield.
• Seek Help, But Be Prepared to Fight Alone: Ombudsman, lawyers, friends —use every tool, but know your strength lies within.
• Protect Your Mental Health: The Toll Is Real. Prioritise your well-being.

A Message to You

• Feeling unheard or let down by supporters is a common experience.
• Acknowledging these feelings can foster connection and understanding.
• Sharing experiences can lead to empowerment and transformation.
• Together, we can create a more uplifting narrative.
• If you've ever felt silenced or dismissed. Or betrayed by the systems meant to protect you. know that you are not alone. My story is your story. And together, we can rewrite the narrative.