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default notice from abbey RE:lOAN NOW capquest chasing


everton2005
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It has to specify a remedy date. ;)

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It should state a date to remedy the default.

 

Can you post up the default notice (minus personal details)

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It has to specify a remedy date. ;)

 

 

Bu**er. Too slow :D

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yep...definitely defective, all you have to do now is wait for them to close the a/c. ;) But don't let on to them it's dodgy.

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Invalid!

 

On the basis that the letter is dated 21 Feb 09 and you had to remedy the default within 14 days of the 21st. That doesn't allow a couple of days for delivery of the letter and of course the letter should have said that you have to remedy the default by the 9th April 09 (or the 10th :confused:)

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Damn and blast:D I must be having senoir moments Cerb as I am just so slow today

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yep...definitely defective, all you have to do now is wait for them to close the a/c. ;) But don't let on to them it's dodgy.

 

what happens if the account is closed after a defective DN is issued?

post office WON 12/11/06

 

abbey.LBA sent 30/10/06.MCOL claim submitted 8/11/06.allocation questionnaire sent 16/12/06.schedule of charges sent 16/12/06.WON

 

2nd abbey claim SAR sent 3/1/07.WON.complaint letter sent 18/1/08

 

alliance and Leicester.WON

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thankyou it has also been passed to capquest so shold i cca capquest

Yes send a CCA request.

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what happens if the account is closed after a defective DN is issued?

They will only be able to legally claim the arrears up to the default notice. In effect when they close the a/c they also clear the balance.

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it has been terminated

Still send the CCA for more ammunition, also have a read of; http://www.consumeractiongroup.co.uk/forum/legal-issues/170345-tale-dodgy-dn.html

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Well you're laughing now :D all they can claim is the arrears.

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Yes because if that's defective as well you won't even have to pay the arrears.

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No send the CCA to whoever is trying to collect payment now.

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Make sure you do not post anything which identifies you. Although we can remove certain things from the site unless it's done in a timely manner everything you post will appear in Google cache & we do not have any control over that.

 

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They will only be able to legally claim the arrears up to the default notice. In effect when they close the a/c they also clear the balance.

 

so issuing a defective default notice terminates the account AND the outstanding balance (less the arrears upto the default notice)?

 

well i never.....:roll:

post office WON 12/11/06

 

abbey.LBA sent 30/10/06.MCOL claim submitted 8/11/06.allocation questionnaire sent 16/12/06.schedule of charges sent 16/12/06.WON

 

2nd abbey claim SAR sent 3/1/07.WON.complaint letter sent 18/1/08

 

alliance and Leicester.WON

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so issuing a defective default notice terminates the account AND the outstanding balance (less the arrears upto the default notice)?

 

well i never.....:roll:

 

No, a defective DN doesn't terminate the a/c, they have to do that with a 'Termination Notice', but once they do they can only claim the arrears.

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Make sure you do not post anything which identifies you. Although we can remove certain things from the site unless it's done in a timely manner everything you post will appear in Google cache & we do not have any control over that.

 

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It's a standard reply, ignore them. ;)

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Make sure you do not post anything which identifies you. Although we can remove certain things from the site unless it's done in a timely manner everything you post will appear in Google cache & we do not have any control over that.

 

Vir prudens non contra ventum mingit

 

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17 Port & Maritime Regiment RCT

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