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Termination notice


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Does a termination notice need to demand repayment of the full balance on the account? I have received a letter from Co-op bank stating the account is terminated but it doesn't say anything about demanding repayment of the full balance outstanding.


So, it it a termination notice?





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If they say it is terminated, then it's terminated ;)


demanding the full balance is just another way to terminate.



I am not a lawyer - I'm an Engineer with an interest in law. Advice is given with out prejudice and is my opinion on the information I have been provided with based on my experience, understanding and interpritation of law. If you are in any doubt please seek the advice of a qualified and insured legal professional.



Abbey (OH) - £680 ..... Barclaycard (OH) - £2200 ..... MBNA (OH) - £1800 ..... Shop Direct (OH) - £220

Brunell Franklin (a.k.a. Conkers) - Out of "contract" & no charge



In Progress:

MBNA (OH) - PPI & bad default with premature termination

Capital One (OH) - ~£800 Penalty Charges

Suzuki Finance/Blackhorse (OH) - Commission, Unlawful removal, PPI, Charges


A Lightbulb Shop - "loss of bargain"


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Sort of! The Default Notice & this cancellation / termination notice were both issued on the same day, 1 April!

Also the DN was dated 1 April and gave until 15 April to rectify so didn't give 14 days from service. And I paid the arrears stated on the default notice on 9 April and it is showing as a credit on my co-op account as at 15 April.



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