Hi guys wonder if you could give me some advice!

Got a loan out with txt loan bk in 2010 and don't think I paid if bk as I I had over 15 payday loans on the go at any one time!

Anyway I got the below email with a couple of attachments

Will the default go from when I took out the loan or from the default dat?

Default Notice

This letter is important – please do not ignore it

We have contacted you several times regarding your unpaid loan but have not received payment from you – the balance now stands at £90.00.

We are now giving you 14 days’ notice of our intention to register a default against you. The default notice together with an information leaflet issued by the Financial Conduct Authority is attached to this message.

Registering a default is the step that we must take before we are able to take legal action against you. You can avoid this by repaying the money you owe or by contacting us and making a repayment arrangement. You must act without delay to prevent the default being registered.

You can make repayment

Online Log in to your account at www.myjar.com/login using your PIN and registered mobile number and select REPAY NOW

By Text Send a text to 82777 with the words LOAN REPAY from your registered mobile

By Phone Call 020 3006 2000 and select option 1 and follow the simple prompts

Contact us on

Phone: 020 3006 2000

Email: [email protected]

Ring Back: text the words Ring Me to 0786 000 4500 and let us know the best time to call you back (standard network rates apply).

Live Chat: Log in to your account and use the Live Chat feature.

Our customer service team is available:

Monday-Friday 6:00 AM - 11:00 PM

Saturday 8:00 AM - 6:00 PM

Sunday 9:00 AM - 6:00 PM

Yours sincerely

MYJAR

Collections and Recoveries

IMPORTANT - YOU SHOULD READ THIS CAREFULLY

Dated: 17/07/2014

This is a Default Notice served under section 87(1) of the Consumer Credit Act 1974 in respect of the Running Account Credit Agreement reference number 20215 made between:

Under clause 1.14 of the Running Account Credit Agreement you were required to repay the total sum of no later than 09/11/2010.

As you have failed to make the repayment amount due on 09/11/2010 you are now in breach of the terms of the Running Account Credit Agreement.

As you have failed to make this payment you have incurred late payment charges and the total amount of arrears is now 90.00.

Action Required

You must now pay the total of the arrears 90.00 to the Company before 31/07/2014.

IF YOU PAY THE TOTAL AMOUNT OF THE ARREARS BEFORE 31/07/2014 NO FURTHER ENFORCEMENT ACTION WILL BE TAKEN IN RESPECT OF THE BREACH.

IF YOU DO NOT TAKE THE ACTION REQUIRED BY THIS NOTICE BEFORE 31/07/2014, THEN THE FURTHER ACTION SET OUT BELOW MAY BE TAKEN AGAINST YOU.

Further Action

The Company will serve notice in writing demanding payment of the outstanding balance. If nothing is received, the Company will bring proceedings against you for the outstanding balance.

In your own interests you are strongly urged to contact the Company by telephone on 020 3006 2000 quoting the above customer number if you cannot pay the arrears in full.

IF YOU HAVE DIFFICULTY IN PAYING ANY SUM OWING UNDER THE AGREEMENT OR TAKING ANY OTHER ACTION REQUIRED BY THIS NOTICE, YOU CAN APPLY TO THE COURT WHICH MAY MAKE AN ORDER ALLOWING YOU MORE TIME.

You should be aware that if we take you to court and get a judgment against you requiring you to pay us the money you owe us under the agreement, you may have to pay us both the amount of the judgment and interest under the agreement on all the sums owed by you at the date of the judgment until you have paid these in full. This means that even if you pay off the whole amount of the judgment, you may still have a further sum to pay.

IF YOU ARE NOT SURE WHAT TO DO, YOU SHOULD GET HELP AS SOON AS POSSIBLE. FOR EXAMPLE, YOU SHOULD CONTACT A SOLICITOR, YOUR LOCAL TRADING STANDARDS DEPARTMENT OR YOUR NEAREST CITIZENS' ADVICE BUREAU.

This notice should include a copy of the current Financial Conduct Authority information sheet on default. This contains important information about your rights and where to go for support and advice. If it is not included, you should contact us to get one.

Yours sincerely

MYJAR

Collections and Recoveries

If that came by email I am not convinced it will be a valid default notice . In anycase the default should have been registered by mid 2011 at the latest. The problem with challeging the default is you have to be careful not to admit the debt. Something else , on my emails I have it set that no pictures are downloaded without my say so as when the logo or whatever is downloaded often they get a notice to say it has been opened.

I am currently arguing with MMF that sending debt collection emails without prior agreement is a breach of the DPA as anyone who has access to my PC could read them. If myjar are members of the CSA , that is in their guidelines as well.

I would say your options are to send a prove it letter from the library i.e I know nothing of this debt (maybe edit it to say you did have a loan but it was paid back-do you have online banking going back that far?} or ignore it. My txt loan went to lucas credit services who sent me regular weekly emails which I ignored as I had sent a in writing only letter prior

Nice of them to throw in unenforceable penalty charges in with the default

Yeah there is an attachment that looks more eligible...

So if they do go ahead will the default date be 2014?

The reason I ask is my last default was back in jan 2011

Even though its up to a creditor to issue a default, i think some serious questions would be asked why they left it this long to add a default to your credit record. Especially if the action that caused the account to default happened years ago.

I would agree with that . I really would be sending a prove it letter and combining a complaint about adding a default at such a late stage wording it in such a way that you do not admit to the debt