Credit card company incompetence

[Spectator]

Greetings all, I've searched to see if I can find a situation like this but not found anything so far. I won't give all the details as you never know who's reading but basically I entered into an email dialogue with someone from a credit card company usually know by four initials regarding my account. The result was that a reduced figure was offered by them and accepted by me.

I asked for details of how to commence payments and answer came there none.

Today I get a default notice as I have 'failed to keep up payments'. To say that I'm cross would be an understatement!

I fully intend to challenge their action with copies of the emails, is there anything else I should do?

 

Thanks in advance for any help that is forthcoming.

[cerberusalert]

Can you scan the default notice, remove identifying details and post it up?

 

It would be wise if you also sent a CCA request to them to check whether the agreement is indeed enforceable; http://www.consumerforums.com/resources/templates-library/86-debt-collectors/581-cca-request-letter

[Spectator]

It's the same as the one posted by Lily22 in the thread:

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/206779-mbna-lloyds-not-responded.html

 

With an expiry date of the 24th of this month

[cerberusalert]

What date was it supposed to have been posted?

[Spectator]

As is the way with these things, no postmark or franking date but the letter is dated July 7th.

[cerberusalert]

Let's hope they're not as efficient when it comes to providing an enforceable CCA.

[Spectator]

Thanks for that, I may just have more questions later but appreciate the answers so far.

 

Anything I can do about their lack of coordination?

[cerberusalert]

If it's that 'merkin' bank I think it is, everything they do is designed to irritate & intimidate. I know of one case where they actually stated because the were not a UK company they didn't have to comply to UK law.