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Formal Demand from Northern Rock


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I was issued with a Default Notice by Northern Rock on 24 Feb 09 regarding an unsececured loan even though I have been paying a little towards the loan albeit not the required amount.

 

Owing to the fact that I cannot pay the whole amount I have today received the Formal Demand for payment in full. This gives me 14 days to pay up in full or legal action may be proceeding with, I assume by way of a Court Claim form whereby they will try to obtain a Charging Order eventually!

 

I have today wrote back to Northern Rock requesting that they stop this action as I am now in a position to pay the required amount per month from Apr 09 onwards.

 

I would be grateful for any advice to ascertain if I should be doing anything else at this venture.

 

Kind regards

Tom

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What were the dates on the default notice ? i.e. what day did they type the letter and what date did they put that you have to remedy it ?

PLEASE NOTE - I am not a legal expert, what is stated is my own opinion and from what I have learnt from this forum and my own experiences.

 

DEBT COLLECTION LETTER/SAR/AGREEMENT TEMPLATES ARE HERE - http://www.consumeractiongroup.co.uk/forum/content.php?65-legislation

 

IF WE HAVE BEEN HELPFUL -PLEASE, PLEASE, PLEASE GIVE A DONATION TO HELP US TO CONTINUE HELPING YOU

 

I AM HAPPY TO RECEIVE PM's AND I WILL RESPOND IF I FEEL I CAN ASSIST BUT WHEN YOU DO CAN YOU PLEASE PROVIDE A LINK TO YOUR THREAD ON WHICH YOU WOULD LIKE ME TO COMMENT - THANK YOU

 

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Forum rules - http://www.consumeractiongroup.co.uk/forum/forum-rules-please-read/9-forum-rules-please-read.html

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ok apologies for asking I was just checking they had got the default notice correct...I would certainly get in dialogue with them, and I think if they were to follow this to a legal stage they would be being unreasonable....was there any PPI added to the loan that you might also be able to claim back ?

PLEASE NOTE - I am not a legal expert, what is stated is my own opinion and from what I have learnt from this forum and my own experiences.

 

DEBT COLLECTION LETTER/SAR/AGREEMENT TEMPLATES ARE HERE - http://www.consumeractiongroup.co.uk/forum/content.php?65-legislation

 

IF WE HAVE BEEN HELPFUL -PLEASE, PLEASE, PLEASE GIVE A DONATION TO HELP US TO CONTINUE HELPING YOU

 

I AM HAPPY TO RECEIVE PM's AND I WILL RESPOND IF I FEEL I CAN ASSIST BUT WHEN YOU DO CAN YOU PLEASE PROVIDE A LINK TO YOUR THREAD ON WHICH YOU WOULD LIKE ME TO COMMENT - THANK YOU

 

IMPORTANT - If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.

Before you decide,consider the users here who have already offered help and support.

Private message facilities are offered for users to communicate issues that are/or could be seen to be inappropriate for posting on the main forum.Site rules explain this in more detail.

If you are approached by private message with a view to asking you to visit another website,please inform the site team via the report icon.

 

Forum rules - http://www.consumeractiongroup.co.uk/forum/forum-rules-please-read/9-forum-rules-please-read.html

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No PPI, but here is the text of the letter that I have sent back to them:

 

"Firstly, may I say that you are well aware that we cannot pay the sum required by the Formal Demand as referenced above, and secondly, I do understand that the reasons that you pursue this in such a manner is that you are hoping to obtain a Charging Order on the property for the unsecured element of the loan.

I am now in a position to repay the said monthly amount of £xxx.xx from the month of April 2009. Therefore, I would be grateful if you could cease any potential legal action as surely it would be a total waste of money, time and effort owing to the fact that I am now in a position to pay you the required sum per month. With regards to the arrears accrued on this loan, I do ask that after I have successfully paid 2 months worth of monies that the arrears is then accrued to the final total of the loan payable.

I do hope that you will look at this in a positive manner and consider this request favourably."

I don't think that I can say anymore at this stage, do you concur?

Regards

T

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looks good...send recorded...

PLEASE NOTE - I am not a legal expert, what is stated is my own opinion and from what I have learnt from this forum and my own experiences.

 

DEBT COLLECTION LETTER/SAR/AGREEMENT TEMPLATES ARE HERE - http://www.consumeractiongroup.co.uk/forum/content.php?65-legislation

 

IF WE HAVE BEEN HELPFUL -PLEASE, PLEASE, PLEASE GIVE A DONATION TO HELP US TO CONTINUE HELPING YOU

 

I AM HAPPY TO RECEIVE PM's AND I WILL RESPOND IF I FEEL I CAN ASSIST BUT WHEN YOU DO CAN YOU PLEASE PROVIDE A LINK TO YOUR THREAD ON WHICH YOU WOULD LIKE ME TO COMMENT - THANK YOU

 

IMPORTANT - If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.

Before you decide,consider the users here who have already offered help and support.

Private message facilities are offered for users to communicate issues that are/or could be seen to be inappropriate for posting on the main forum.Site rules explain this in more detail.

If you are approached by private message with a view to asking you to visit another website,please inform the site team via the report icon.

 

Forum rules - http://www.consumeractiongroup.co.uk/forum/forum-rules-please-read/9-forum-rules-please-read.html

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