Originally posted by Ollievanquis
That doesn’t sound ‘normal’.
Is there some information missing?
The whole point of ROP is that it’s suppose to give you breathing space to get your act together. The fact you paid off the balance in 2016 demonstrates you did that.
Have you defaulted (broken the credit agreement) since then?
Have you claimed that ROP was mis-sold to you? If so, I guess they could argue that if ROP wasn’t in place in 2016 you defaulted on the agreement.
On the other hand, it could be a mistake.