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Ousba - default notice

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Have a default notice (albeit settled) on my credit file for £47 to Ousba, |I asked for a copy of the original credit agreement and default notices etc


Yesterday I received a copy of the original credit agreement and a copy of a default notice.


My question is "since I have never seen the default notice before, how do I know it is authentic? It looks like something that someone printed off a computer from them, with the date from 2004 on it. How do I know that it is one that I received, how would they prove I received it, and since it is not signed by anyone in Ousba, how do I know it is not one that they have drawn up?"


Any help would be appreciated on this matter as I seriously did not receive it, and although was in arrears, was not aware that I have defaulted.


It seems a shame to be in default for such a small amount!


Would I have had to sign for a default notice, how would they know I received it?

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ousba gave me one about 5 years ago for £13 owed (now settled) 3 years previous to that. I must admit I hadn't even realised I had opened an account with them, I still don't really know what the point of ousba is, they just said tick the box if you want your admin fee's of £20 paid by Ousba lol. I did ring them up and complain to no avail


credit agreements should have a signature, default notices go through normal mail and no signature is required


I would challenge the credit agreement if you have no signature on it, or go for no processing as contract has ended as so has consent. Look in the legalities section for info on this


Barclaycard Student credit card £400 partial refund received, S.A.R -

Open & Direct Finance- extortionate, cca to Rockwell debt collection they ran away, now with Bryan Carter, no cca 17/03/08 sent back to Open

Pugsley v Littlwoods, have not received the signed credit agreement only quoting reg of 1983

Pugsley v Fashion World JD williams, 17/03 2008 Debt Managers returning file to JD williams as they could not supply the credit agreement

Capital one MCOL Settled in full

Smile lba settled in full

advice is given informally and without liability and without prejudice.


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  • 2 years later...

I want to complain about OUSBA too.........I consider I was treated very unfairly by them and I need some advice. I`m not from UK but I decided I want to study IT with OU. I decided to pay for the course monthly using the OUSBA. The payments were made on my behalf from another account but OUSBA said they do not mind that. The shock came later when I started receiving letters, emails and calls from them saying I have not made any payment for the course. I always sent the proof of the transactions, the documents from the bank and I never got any reply to those emails. I decided to send the documents again but they kept telling me they did not receive my money. Now I have a FAKE outstanding ballance of 560 pounds !!!!!!!!!!!!!!!!!!!!!!!! I do NOT want to pay double for something I already paid for!!!!!!!!!!!!!!!!!!!!!!!! I tried to explain to them but they keep saying the same lies, now they even sent a letter from a solicitor...........what can I do, its illegal what they`re doing, they just want to rob me. Why did they never send replies to my emails containing proof of payment???? How can they dare to say they will take me to court????????????????????? I need advice as I cannot take it anymore. I will write to the newspapers because I want to warn other people of the risk of studying with OU. I dont want other people to have such problems. I will make sure everyone will know my story and I hope everyone will think twice before choosing such a university.:sad::sad:

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