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Default Notice -3 Years After? TXTLOans


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Hi guys,

 

I've just gone into an old email account that I haven't used for around 2 years. On the 5th January 2015, I received an email from an OC stating they will be applying a default to my CF on the 30th January 2015 if no payment is received.

 

2 things

 

I defaulted in May 2011 - Why issue this so late?

 

Can they serve a notice via email?

 

Thanks for your time

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its a default not a default notice?

 

 

is this on your file?

 

 

what do you mean by defaulted in 2011 how is the file marked as such?

 

 

who's the OC

 

 

what is the debt?

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Hi DX,

 

OC is TXTLoan (email received from MyJar, which I'm assuming is the parent company)

 

At present, it's a default notice, received via email. I failed to pay the account in 2011 when it was due (time of my spiralling debts which I thought were sorted - clearly not). They now state if the sum isn't paid by 30th Jan 2015, they'll apply the default

 

Nothing has ever been shown on any of the main 3 credit files from day 1, which is it weird is it not?

 

Cheers

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its just a threat

 

 

is this them doing it or a DCA like mmf?

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Definitely an original creditor. I've just googled them, they're still trading as a TXTLoan provider under MyJar.

 

The default notice looks like a real notice, just baffled that I've received it via email. Is that legal?

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scan it up

 

 

redact it first please

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

there no conclusion that they did ever mark the CRA file

 

 

urm...

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

wouldn't make any diff if you did

 

 

pers I say no

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

they cant!!

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

DX,

 

It's exactly the same as this, just found it whilst scrolling the threads

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?438648-MYJAR-Weird-Situation

 

A Default "Notice" has to be headed

 

"THIS IS A DEFAULT NOTICE SERVED UNDER SECTION 87(1) OF THE CONSUMER CREDIT ACT 1974" for it to be a properly issued notice.

 

I have attached the form and content in a mailed DN below. This specific DN is incorrect in that it doesn't permit a clear 14 days from the date of issue to the date they require remedy. It has allowed no time for posting.

 

[ATTACH=CONFIG]55408[/ATTACH]

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Uploading documents to CAG ** Instructions **

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Ive just updated my thread, but it wont offer any more guidance... I saw your post OP i hadnt got round to responding.

 

If you are unhappy then email;

 

[email protected]; - Compliance Boss

[email protected] - MD / CEO of Myjar

 

Also CitB, They have sent the attached as the template intention to register a default which includes the 14 day notice period.

 

[ATTACH=CONFIG]55411[/ATTACH]

 

We could do with some help from you.

 

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Receptaculum Ignis

 

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