Bank of Scotland default notice

[chattanooga]

I received the following default notice from BOS (link below). I was previously paying via CCCS an agreed fixed amount but found my income has plummeted recently, tax credits have also reduced and household bills have increased so I had offered to pay a token amount for a few months until I got back on my feet. I did this.

 

I'm a bit puzzled as to why they have just suddenly defaulted the account with no covering letter or anything acknowledging the token payment or rejecting it for that matter. (they did cash the cheque). Is this possibly a precursor to court proceedings, it all seems a bit sudden after one reduced, albeit a token, payment.

 

[dx100uk]

was this through cccs or directl by you

 

oh and i doubt its a precursor

more like they are going to sell it on.

 

dx

[chattanooga]

It was through CCCS, they helped me a lot in the early months when things really started to bite but as time went on I realised that I could do exactly the same thing myself but without the hints and nudges to increase payments. Unfortunately my income has recently fallen off a cliff so token payments are all I can afford. I'm not expecting any sympathy as such from creditors but just a few months leeway...doesn't seem too much to ask after paying the sods bucketloads of interest for years and years.

[chattanooga]

Update:

 

I received this from Bank of Scotland...

 

 

 

Firstly the payment I promised to make was a token one which I did and secondly they tell me if I don't pay they may send a "notice of default". Bizarre really as they already did that last month

 

I presume this is just a case of the left hand not knowing what the right is doing.

[dx100uk]

more than likely

 

dx

[chattanooga]

Update:

 

I've received another default notice, identical to the first one except with two and a bit months added to the "to remedy the breach" section.

 

I thought an account could only be defaulted once, or have I got that wrong? Is it something to be concerned about? I'm still paying what I can.

[chattanooga]

This account is currently being chased by Bank of Scotland's inhouse DCA Blair, Oliver and Scott. My wife has had a couple of standard threatograms from them such as...

 

We wrote back telling them not to phone, don't send anyone round etc etc. I also reaffirmed we are paying what can afford at the moment. Hadn't heard anything for a couple of weeks until this turned up...

 

The thing is this one has got my other half really worried mostly because this is the first DCA correspondence I have had which does not contain 'might', 'may', 'could' etc but instead seems to be a 'will'

 

Can anyone confirm this is a threatogram or perhaps something more serious?

 

Thanks

 

EDIT: I think maybe this should now be moved to the debt collection forum.

Edited January 14, 2011 by chattanooga

[dx100uk]

funny it says may twice in both options

 

anyhow

 

as long as you have told them thats all you can afford

and you are happy

 

 

sad thing is its tough luck for them.

 

no judge would ever make you pay anything more

 

he'll laugh them out the door.

 

dx

[chattanooga]

funny it says may twice in both options

 

Does it? I can only see the one about if they try to obtain a charging order. No matter, at least they've stopped calling.

[dx100uk]

collectors may....

 

court action may.......

 

dx

 

moving to BOS forum

[chattanooga]

Ah, I see. The first scan is a 'normal' threatogram, full of maybes and mights. It was the second scan that I was referring to, when you compare them it uses 'has instructed' and 'are being prepared' instead. Just struck me as a different type of language.

 

Thanks for moving this.

[dx100uk]

i see what you mean

 

thats still typical threat-o-gram rubbish

 

ithink what you need to bear-in-mind here is that a judge would never make you pay anymore than you can afford

most times they will be laughed out the door by a DJ

 

dx