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Not only are they not allowing me enough time they are also saying I have to pay the full outstanding amount within 14 days of the date of their letter!
Any advice & opinions given by supasnooper are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability.
Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.
How can these people behave so stupidly? Do they not consider the risk they are taking by not allowing the specified time etc?
Having been through a very rough patch this last 12 months and having had many very black moments I often blamed myself for taking too many risks and not thinking about the consequences but even I would never take such a stupid risk!
I still cannot believe they do not just make a bit of an effort (it shouldn't take much!) to just get their dates and facts right, after all the cost is HUGE!
I still cannot believe they do not just make a bit of an effort (it shouldn't take much!) to just get their dates and facts right, after all the cost is HUGE!
But hey let's not complain!
CC68
long may they reign
be VERY careful (for other caggers as well as yourself) NOT to advise them of the error
even after you receive a TN ignore and file it (with the envelope) until such time as they want to try to enforce
well be patient and still wait but the good news is that they have ALREADY terminated you
this is because they cannot claim amounts not due (the fullbalance) until they have issued a valid dn giving you the opportunity to rectify the default (arrears) and only THEN if you fail to comply within the given time
not only is the DN itself defective because they have not given you time (and included amounts in the arrears that are not due)
by demanding that you pay the full balance they have managed to turn the DN into a TN (termination notice) so after 14 days when you have failed to rectify the breach you will be terminated
they have given you evidence that they intended to terminate and that this is not a mistake as they have also asked you to cut up and return the card
aren t they just luvly!
(but still stay quiet and wait for further confirmation
I wait for them to start court proceedings then I announce that I know their default was defective? Or do I wait until it's in court and pull it out of my hat?
G***** v Nationwide credit card
I am further down the line to you guys. My account was defaulted 08 sept 08.
error 1/ 14 days from the date of this default notice.
error 2/ full balance required to rectify within 14 days of this notice
error 3/ return of card.
Thing is they never issued a termination notice after this continued to issue statements with minimum payment due, continued chasing the debt, and continued adding late payment and then when they tipped the balance overlimit fees.
Receaved the court papers from them this morning so if you help me with this it should set a precident for your cases. Has anyone else been to court with them yet? Is there any legislation/ case history to back up the ascertion this account has been terminated?
paul
G***** v Nationwide credit card
I am further down the line to you guys. My account was defaulted 08 sept 08.
error 1/ 14 days from the date of this default notice.
error 2/ full balance required to rectify within 14 days of this notice
error 3/ return of card.
Thing is they never issued a termination notice after this continued to issue statements with minimum payment due, continued chasing the debt, and continued adding late payment and then when they tipped the balance overlimit fees.
Receaved the court papers from them this morning so if you help me with this it should set a precident for your cases. Has anyone else been to coot urt with them yet? Is there any legislation/ case history to back up the ascertion this account has been terminated?
paul
well here is one "hot off the press"
'zhanzhibar vs Amex/AIC/Newman/ Brachers Solicitors'
I wait for them to start court proceedings then I announce that I know their default was defective? Or do I wait until it's in court and pull it out of my hat?
CC68
just keep quiet and ignore everything until they make the demand in writing for the full balance
( a court summons for the full balance or a letter threatening any sort of enforcement unless the full balance is paid will do
then come back online for more advice (personally i would then SAR them with no explanation and make sure i haev all their grubby little details filed away before they can massage them
THEN i would simmply tell them to " put up or shut up"
I have received a letter from KPR chasing the debt, do I send them the bemused letter although I can see by the small print at the bottom of their letter that they are part of Nationwide?
Cupcake VS Nationwide 27
today.
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Originally Posted by cupcake68
