Written by John Kruse, one of the leading experts on Bailiff Law, this consumer friendly guide is essential reading for anyone who comes into contact with a bailiff.
The book is easy to understand and clearly explains the rights
a bailiff has, and also what they cannot do when collecting debts and repossessing goods etc.
you'll need to post it up, minus your details.
If it is put as you say then it may be invalid...
It must have a remedy date, not the "17 days after the date above."
time is dependable on class....14 days after 1st/2nd class post
poss 1 day out don't tell them this!
let them terminate. unless you want to remedy it.
you need to decide what you want to do.
have a read on default notices
do a search.
depends on first or second class.
first class id deemed 2 days for postage
second class is 4 days.
18 feb was thursday +2 (first class)=remedy by 27th feb
+4 (second class)= remedy by 1st mar
they may say first class..otherwise deemed second
see "tale of a dodgy DN-further disc" mine is posted there post 2095
I am in a similar position, i have had a Mint card for in excess of 10 years, I have never missed a payment in that time.
I was laid off some 6 weeks ago, knowing that i was going to struggle for the next month or so, I informed Mint of the situation and offered a small payment on account until such time as I was working again. The asked me to send back a statement of income/expenditure which I did, the next thing I know in the same post, I received a letter saying that before my offer of payment is considered a default notice will be issued, followed by a letter of termination 21 days later and the default notice, withdrawing the credit facility and asking for the card to be cut up and returned. Then they give the usual guff about if you correct the default no further action will be taken.
So much for customer loyalty, bearing in mind it is a single default in 10 years.
With the default notice having been issued, is it worth me going for them and trying to have the debt wiped out, if so, how do I start off the process.
Strangely, I also have an MBNA card, the consensus on here seems to be that they are rubbish, but they were as good as gold. interest frozen immediately, acceptance of a nominal payment, no hassle nothing.
With regards to MBNA being as good as gold They will willingly put you on a hardship plan - eg, accept a nominal amount - freeze interest and charges - for max 6 months. After that period -well - 5 missed minimum payments - if you can't pay off the arrears they sell the debt on and in the meantime you are building up defaults and you have another set of plebs to deal with.
Mint Default Notice!
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Re: Mint Default Notice!
They will willingly put you on a hardship plan - eg, accept a nominal amount - freeze 