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Received default notice from More Than, will this affect my credit file?


Craigbadger
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the other week I checked my bank and realised I hadn't got enough in to cover the insurance that was coming out the next day

 

 

cancelled it with a view to ringing and paying and reinstating,

forgot about it,

 

 

went away for a few days

came back to a letter

ring us by this date etc and sort it

I did all be it 3 days after the date on the letter.

 

Yesterday I get in and have another letter from More than dated 4th July(10 days to deliver??)

i.e. the date they wanted me to call them by.

Enclosed a Default notice served under under s87(1) of the cca.

 

It just says I need to call them by the 27th July to reinstate the direct debit to avoid action which is all sorted.

 

 

The 1 and only thing I care about here is whether they can do anything to affect my credit file?,

they have never added or updated it before so my gut instinct would be no.

 

 

I presume in doing what they asked I have not defaulted it and the only thing they could do would be a ccj.

 

Can anyone clarify?

 

The default looks legit, whether its correct is another story but it certainly looks like something a creditor would send after 3-6 missed credit card payments. Would seem brutal if they were doing anything more than following due process for canceling the policy.

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If you have done all they demand on the default notice, by the date they state, then IMO no, they won't touch your CRF.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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The DN is supposed to give you time to rectify the account before they take action, ie, adding a default to your CRF.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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don't think insurances from them show on credit file

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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