Is This Default Notice Valid??

[MrDefaulted]

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 October 4, 2011 by MrDefaulted

[dx100uk]

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

[Bobity]

Hi

 

Don't know if it's just me, but I can't read the attachment even when enlarged. Try attaching again using a different format.

 

Bob

[MrDefaulted]

Thank you dx.

 

Have amended my post

[postggj]

they are bang on with 14 days but

 

THEY HAVE FORGOT TO INCLUDE THE 2 DAYS SERVICE (POSTAGE)

 

DEFAULT NOTICE IS INVALID

[dx100uk]

what is the purpose of challenging this?

 

dx

[MrDefaulted]

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

[citizenB]

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 ?

[MrDefaulted]

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 October 4, 2011 by MrDefaulted

[dx100uk]

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

 

anyhow

why are you questioning the DN ?

 

dx

[citizenB]

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

[citizenB]

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.

[postggj]

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

 

anyhow

why are you questioning the DN ?

 

dx

 

 

days (14 Days from 19/12/2006,

[postggj]

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

 

 

days (14 Days from 19/12/2006,

[MrDefaulted]

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???

[dx100uk]

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

 

dx

[MrDefaulted]

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

[dx100uk]

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