A&L unable to provide a copy of the original default notice?

**crk81** · 9th July 2009 17:34

Hi Guys,

Wonder if you guys can help with this one, need some advice maybe help towards a draft letter to them.

Have recieved the CCA with them, i am unhappy with the default they have placed on my account as they didnt give me any notice of it & i attempted to contact them to make an arrangment with them but they never replied & got letters from there DCA icon

.

Below is the letter i have recieved when i have requested them to provide me with a copy of the alledged default notice they have sent me. they advise me that they are unable to provide a copy of the original notice, now i could SAR icon

them but don't want to part with £10 if i dont have to.

Also attached the latest loan statement which shows they have paid my £1 CCA payment into my account & not used it towards my CCA request.

http://i44.photobucket.com/albums/f31/crk81/ALltr-1.jpg

http://i44.photobucket.com/albums/f3...ementofact.jpg

Thanks in advance

**crk81** · 14th July 2009 15:57

Anyone?

**old_andrew2007** · 14th July 2009 23:40

It appears that £1.00 fee was credited to your account, however in the letter A&L claim to have sent copies of your agreement in April and July 2009 is that true.

**crk81** · 15th July 2009 19:59

I sent in a few requests for them just with some spare stamps i had so never bothered with recorded delivery, only received the 1 copy off them i belive.

**old_andrew2007** · 15th July 2009 21:58

This copy of your agreement, have you had someone check it out, if not you could upload it here after removing personal details I am sure you will receive advice

**crk81** · 16th July 2009 22:10

yeah, the agreement is all fine, i am willing to pay its just i belive the default is not fair as it should not have getting to that stage.

**old_andrew2007** · 17th July 2009 10:09

I suppose if you have not already sent a letter you could write explaining that the default notice was incorrectly issued, together with the fact that you did not received one (I'm not sure if proof of posting by A&L is proof of delivery).
You could up-load the letter for advice fom some of the experts.

Andy

**crk81** · 17th July 2009 10:14

Cheers for the advice Andy, i think i'll draft up a letter and just state the facts i didnt recieve the notice so wish for the default to be removed on that and once that has been actioned i will also setup a payment arrangement with them, at the end of the day if they dont remove it i just don't intend to pay them, a default either way on my credit file is going to effect me even if its paid or o/s.

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