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Defualt Notice Issued - No response to Dispute Letter


gdbevan
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Hi all,

 

Hope you can help? I received a default notice for an outstanding current account balance following the withdrawal of an overdraft (without notice). The subsequent balance is now outstanding and has been for 6 months, during which time they have reported the activity to the CRA’s, and having disputed the withdrawal of overdraft facilities and an offer to pay the balance back at a monthly rate, they have failed to respond to the letter and issued the default notice.

 

Questions:

  1. Are they allowed to report an account in dispute to the CRA’s under the Banking Code?
  2. Was the notice issued in accordance with the Consumer Credit Act?
  3. What should I do next?

Thanks in advance

 

Guy

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1.yes

2. dont know post it up

3.answers above please...

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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too small

 

scan the required letters/agreements/sheets

remove all pers info inc barcodes etc but leave all figures and dates.

goto one of the many free online pdf converter websites

convert the image to pdf format.

open a new msg box here

hit go advanced below the msg box

hit manage attachments below that box

hit the add files button on the top right

hit select files, navigate to your file on your pc

hit upload files

NB:you can set where it goes in the post by hitting insert inline.

the hit reply button

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Can't read it too small.

However in the meantime what you MUST do is start their own internal complaints procedure NOW, ask why they felt it necessary to pull your OD without any prior warning leaving you open to bank charges, which you should claim back, and that they have felt it necessary to report this to the CRA's when it is a problem caused by themselves.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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postage stamp still

re scan it at a4 size

 

convert and post that as a pdf att as in post 4

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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