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Is This Default Notice Valid??


MrDefaulted
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because no one has posted on it for the last 4614 days.

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Hello

Can somebody please tell me if this default notice looks legit?

Moral of story Nationwide chasing me for overdraft fees.

 

Am i right by saying that i must receive the default notice before the 14 day start to count down??

 

Cheers

Default_Notice.pdf

Edited by MrDefaulted
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cant read postage stamps

 

use:

 

scan the required letters/agreements/sheets

as a picture file

remove all pers info inc barcodes etc using paint

but leave all figures and dates.

goto one of the many free online pdf converter websites

convert the image to pdf format.

or if you have PDF as an installed printer drive use that

or use word and save as pdf

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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what is the purpose of challenging this?

 

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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Share on other sites

Thanks,

I am un-clear of what happens now as the default balance was to clear the overdraft stated in the default notice but does not clearly state any amount, Reading around if they mess up then the remaining amount other than the default amount is lost

as they have terminated early.

I dont understand how i stand in all this would be grateful if somebody could explain.

Cheers

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Yep, they have forgotten any allowance for posting. Depending on which method.. 1st class = 2 business days. 2nd class = 4 business days.

 

Although this appears to be an overdraft.. arent they allowed to call in this type borrowing within 7 days ?

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After reading around the forum i thought it used to be 7 days but extended to 14 maybe i got it wrong and not for overdrafts.

I have attached a copy of my credit report from Experian showing the default registered.

The dates are totally different from what the DN says?? Very Confusing

Cheers

Experian Default Record.pdf

Edited by MrDefaulted
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it did change from 7 to 14 forget the date .... 2006?

 

anyhow

why are you questioning the DN ?

 

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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Share on other sites

Dx, yes it was amended from 7 days to 14.. I think in December 2006.

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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After reading around the forum i thought it used to be 7 days but extended to 14 maybe i got it wrong and not for overdrafts.

I have attached a copy of my credit report from Experian showing the default registered.

The dates are totally different from what the DN says?? Very Confusing

Cheers

I see they have claimed the Default date is 14/4/2008.

Many creditors / DCAs will argue that limitation accrues from the time when the "default notice" is issued.

It does not. The simple fact is that the Limitation clock starts ticking from when the payment is due and not paid, not when they send a default notice.

 

We see often that CRA entries will date 5 or 6 months ahead of when the payment was missed.

 

People need to be sure that they aren’t being misled and that the creditor/DCA is extending limitation so they can sue when they are not allowed to.

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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  • 2 weeks later...

I have been told by Nationwide that the default was applied to my Experian credit report in April so that is more than 14 days.

I tried explaining that the default notice clearly states i have till 19th Feb but they say i should be grateful as they didn't put this default on till April.

As far as i see it they terminated there own agreement early by messing up on default notice so they had no right what so ever to mark any default up at all. Should i just take them to court and be done with it???

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they'll never go to court if it IS ALL O/D charges

 

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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Share on other sites

Evening Dx,

My default amount should now be 228 as they knocked off 90 quid as they say there were 3 charges that should not of been added.

The whole amount 228 all charges there was more, But i stupidly had money going into my account and they were taking it.

I seriously do not know what to do all i want is that default gone now its not like i physically owe them its charges automated systems = no manual intervention = 30 quid fee, Its legal robbery.

It may only be 228 to nationwide but this is my credit history up the creek :(

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p'haps a sort of pleading letter, explaining your issues with the DN & that after all it IS their bank charges that they could easily wave if they wish too and how this is now, sadly having an

adverse effect on your future plans?

 

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... 

Link to post
Share on other sites

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