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Please ckeck default dates....


charlie*
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yes, they are still a mystery to me, just can't seem to ..... well, there are lots of us in the same boat I guess....

 

We have a xxxx card the DEFAULT NOTICE details are as follows....

 

DN dated 24 Nov 2008

 

Remedy date 8th Dec 2008

 

Termination Letter Date: 25th Nov 2008 (same amount)

 

Another Termination 26th Jan 2009 for even more

and

Another Termination 27th Feb 2009 for more still.

 

Their cock-ups really are confusing

 

Appreciate expert comments.

 

Will it ever end ?

 

Charlie

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Termination Letter Date: 25th Nov 2008 (same amount)

 

Another Termination 26th Jan 2009 for even more

and

Another Termination 27th Feb 2009 for more still.

 

Their cock-ups really are confusing

 

Appreciate expert comments.

 

Will it ever end ?

 

Charlie

 

AIUI the account can only ever be terminated once, they dont get numerous attempts till they get it right or not, they appear to have terminated the first time just one day after the default :-)

 

Are you sure these letters are termination letters, do they actually state "your account has been terminated/withdrawn"?

 

S.

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DN dated 24 Nov 2008

 

Remedy date 8th Dec 2008

 

Termination Letter Date: 25th Nov 2008 (same amount)

 

Unlawful rescission of contract, see;

 

(Enforcement, Default and Termination Notices) Regulations 1983, and that a failure of a Default Notice or Termination Notice to be accurate not only invalidates such notice (Woodchester Lease Management Services Ltd V Swain & Co NLD 14 July 1998 but it is an unlawful rescission of contract which would not only prevent the court enforcing any alleged debt (Wilson V First County Trust Ltd [2003] UKHL 40, Wilson V Robertsons (London) Ltd [2006] EWCA Civ 1088, Wilson V Pawnbrokers [2005] EWCA Civ 147) - but would also give the claimant a claim for damages in the sum of £1000 (Kpophraror V Woolwich Building Society [1996] 4 All ER 119).

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Sorry guys, I thought I'd replied here....

 

Yes, Cerberus... I made a mistake, SORRY, the original you answered was not what I intended.... that is with a claims company... it was a one off free offer at the time so we took it - that was not quite a year ago almost before I found CAG.

 

The one I replaced it with is just unbelievable, 24 hours Termination, let's have more of that, eh?

 

Reading around tho I am becoming worried about the possible repercussions of using DN's... of being taken to court. This is something I have to avoid at all costs so I am wondering just what is the likelehood of this happening if we use the resscission letter? Thoughts appreciated - ANYONE IN TIME OR SPACE.

 

This one also has PPI linked but, it does seem to me, that if a claim was made for the PPI and it worked (without court) then the amount that could be refunded would equate pretty evenly with the outstanding debt

and as possession is 9/10ths of the law, there would be no gain.

 

 

There is also a credit card, same bank, with around £2k.

 

The DN is dated Friday, 16th Jan 09

Remedy Date - 30th Jan 09

Termination Letter Date 4th Feb 09

 

:oops: Seems to me there are 2 or 3 ways of tackling these as they are with the same bank and I did ask an opinion of a very knowledgeable colleague... I received an opinion too, what I did not do was to ask why!

 

Could I presume to ask again for opinions and why?

 

Any other ideas are welcome.

 

Thank you

Edited by charlie*
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The DN is dated Friday, 16th Jan 09

Remedy Date - 30th Jan 09

Termination Letter Date 4th Feb 09

Again they haven't allowed for postal service so it's defective.

Reading around tho I am becoming worried about the possible repercussions of using DN's...
See post #4, a defective DN is an absolute defence.
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Can I now ask about this one... my older son, silly ass!

 

xxxxx Credit Card

 

DN dated 29th Dec 2008.... Arrears to pay £250

Remedy Date given - before 12th Jan 2009

Termination Date 17th Jan 2009... Arrears £360.

 

Just wanting to be sure :)

 

"Thankyou" seems so inadequate for such help.

 

charlie

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