What exactly is a Default Notice?

willtheywontthey · 16th November 2007, 19:25

Well they've 'cashed' the tenner - actually put it into my account which is 'odd'? Haven't received details of charges though and less than week to 40 days... is this normal for the co-operative (regarding credit cards)...

thanks

maroondevo52 · 16th November 2007, 21:58

Hi, ivetriedallusernamesarg (that's a beauty!)

Looks like it's pot luck with the co-op, some get the info pronto, some wait for yonks. You know you should send them this..........

Data Protection Act - Non-Compliance - Template Letters

after the 40 Days are up. Have a look at some of the success threads, they often give you that kind of info...........

http://www.consumeractiongroup.co.uk...ile-successes/

Regards.

Scott.

willtheywontthey · 1st December 2007, 11:16

Has anybody ever had a telemessage from a 'Ron' as a matter of urgency on 0845 603 8296?? Tiny footer says co-operative bank.

reallymadwoman · 1st December 2007, 14:29

Arrived in a bright orange envelope? In the days before everyone had mobiles/email might have frightened you into thinking it was a telegram?

Not had one from 'Ron' but plenty from 'Lee'. It's sole purpose is to frighten you into phoning the number.

If you can't work out who it's from by matching the phone number, file under I for ignore for now and wait to see what else they send. Above all DO NOT phone unless you withhold your number and want to have some fun with them.

davybuk · 6th December 2007, 23:15

I had several of those in those garish orange envelopes....I assumed they were some sort of phone scam to get me to phone some number and be charged a million pounds a minute....So I shredded them...

I only found out later they were the Co-Op trying to get me to ring ! To be honest they look so dodgy I am surprised a bank would use them at all...

LyncusBee · 13th December 2007, 02:41

Un*^%$&^£ingbelievable ... so now they are sending telegrams aswell as SMS and computerised voice mails?

What next? A robotic collection agent arrives at your door? Hmm perhaps we should pre-emptively start buying tazers... actually they could have some effective use on ..... no stop let's there huh

Vulture_Bank · 28th December 2007, 13:03

ring ron later meaning "lateron"

seriously IGNORE

one last throw of a desperate organisation

just file the letter and the envelope noting the date received never thow anything away.

willtheywontthey · 28th December 2007, 16:37

More suited to a teddy bears' picnic honestly!

I am so pleased the wonderful Ms McCurren was working on Christmas Day and had so much time on her hands to send me TWO separate letters dated 25.12.07. Thanks!

Fat teddy bears's chance of said person replying to any of letters sent to her month + ago?

I am still trying to find out why I was sent a telemessage - was it fraudulent or not? Who knows... The Cr*perative's idea of communication is one way only it seems - especially if, as a customer, you are (shock horror wait for it.....) writing to them!!!! I don't think they know what letters are meant for?!!

Was told we'll investigate your complaint wihtin 7 days blah blah - yes of course you will - NOT! But it's muggins here's fault that cheque / letter hasn;t reached them.. FIVE days before they sent a letter out to me!!! Does nobody at this organisation READ any letters??? If we were given equitable position then we'd be allowed 14-21 days to reply to their automated letters AND charge them!!!

hy are we not allowed to charge them??? If I resgitered myself as an Ltd company would I be able to charge them £x/hour or £y/letter? Must be a way???

So unfair - and now I'm annoyed.............

sillygirl1 · 28th December 2007, 17:54

I've seriously considered setting up a secretarial bureau and charging for the letters I keep producing for myself and other people - £25 a throw for a one page three paragraph letter sounds reasonable by DCA standards.

I have also thought of informing them that this money should be deducted directly from the debt as it has been incurred in resolving the problems! Do you think they would fall for that?

barracad · 28th December 2007, 18:08

Several threads merged - please stick to one thread per claim, makes it much easier to follow.

willtheywontthey · 3rd January 2008, 18:41

as it asks basically?

Also would like to know why banks can inist on customer replying to letters within 7 or 14 days etc 'or else' but they can just ignore your letter and not reply to your time notofications (7 and 14 days)

Backround to question anyhow. I got 2 letters from Co-op dated Xmas day (!) regarding my credit card and how they hadn't had ONE payment. In fact it had been sent at least 5 days before they wrote their letter. Also letter asking about possible fraud on my account (long story to do with this wierd telegram!) and for them to confirm my account secure etc and what was this telegram - legit or not. That was in November and only reply i got was 'we will look into it' and 'we'll reply within 7 days'.... that was 2 weeks ago.. anyhow I'm going off track.

I have told Co-op I will not discuss financial matters on the phone although I must admit I want to set my mind at rest regarding this Default Notice (couple days left until whatever they said would happen) - they still haven't confirmed they've had my payment you see! It seems ok for them to use excuse of Xmas post delays etc I guess but not for Joe Bloggs?

Any advice?

N.P · 3rd January 2008, 19:24

Hi there, I won`t type your name because it`s too damn long.

As far as I can gather a Default Notice is a warning letter that you receive before action is taken on your account.

I received about 5 or 6 Default Notices from Egg in the space of two months.

As I had (purposely) missed payments for two months, they issued a Default Notice stating I had 28 days to correct the account or I would receive a Default and the account would be handed over to a DCA for collection, horror of horror`s, anything but that.

Anyway, about 20 days into the Notice I e-mailed them stating I could pay but it would be AFTER the 28 days had expired, as that was when I got paid. So, they put any action on hold untill I could pay. In a way, I managed to dodge paying them for two months and still go over the 28 day warning without Defaulting.

I`m not sure about your CO-OP situation, they don`t seem to be making any sense really.

Regards

N.P

moggieb · 4th January 2008, 00:23

28 years to correct the account? Think you'll manage it?

Think I'll switch to Egg!!

N.P · 4th January 2008, 00:29

Hi moggieb,

Thanks for that, I never realised I`d put years instead of days, I wish, LOL.

Entry changed, thanks.

Regards

N.P

odds · 4th January 2008, 00:30

Quote:

Originally Posted by N.P

As far as I can gather a Default Notice is a warning letter that you receive before action is taken on your account.

Regards

N.P

Are / Should they be clearly marked as a Default Notice ?
ie: Not just a reminder that they can then say was a Default Notice.

Pete.

N.P · 4th January 2008, 00:39

Hi odds,

Well, I`m not sure what yours looks like but mine had a sort of legal layout with something like `Do Not Ignore This Letter` then DEFAULT NOTICE in big black bold text underneath.

Then it went on with some crap about the Consumer Credit Act 1974 and that I had 28 days to bring my account upto date.

That`s all I can remember, but they sent me a few of these as I was dragging it out untill the last few days.

I hope this helps.

Regards

N.P

odds · 4th January 2008, 00:51

Quote:

Originally Posted by N.P

Hi odds,

Well, I`m not sure what yours looks like but mine had a sort of legal layout with something like `Do Not Ignore This Letter` then DEFAULT NOTICE in big black bold text underneath.

I hope this helps.

Regards

N.P

Cheeky

I haven't had one YET. Just wanted to know in advance if it should be clearly marked as such.

Pete.

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