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    • please answer the following questions.   1 Date of the infringement- 21/06/19   2 Date on the NTK [this must have been received within 14 days from the 'offence' date]- 12/07/19   3 Date received 15/07/19   4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012? N I can't see it   5 Is there any photographic evidence of the event? Yes a ANPR Camera showing arrival and exit but separate parking machine in car park not at gates    6 Have you appealed? Y Post up your appeal] I am waiting for a copy of my appeal but I have other emails sent i can send  Have you had a response? Y. Email was never sent as they stated on 29th July. Finally got the notice of regection sent by email on 3rd Oct.    7 Who is the parking company? National Car Parks Limited owned by Park24.co   8. Where exactly [carpark name and town] NCP, Terrace Road, Bournemouth    For either option, does it say which appeals body they operate under. Not on the letter but found on line its BPA   There are two official bodies, the BPA and the IAS. If you are unsure, BPA please check HERE   If you have received any other correspondence, please mention it here   in either case scan up bothsides of any letters/tickets in or appeals made out to ONE MULTIPAGE PDF ONL
    • Not much point in appealing. You paid for 4 hours and stayed for an extra 45 minutes. Goes to show what a bunch of crooks you are dealing with when you first appealed they delayed their response until you came liable for the higher charge and they wouldn't reduce that sum. From now on just ignore everything you get from NCP  and their unregulated debt collectors (birds of a feather). They will try to frighten you with increased costs  that you can safely ignore. In the  meantime please complete the questions asked by dx above and post up any PCNs so we can see if they got them right. Also we need to see their signs in the car park especially the one at the entrance; any that are different from the others and the T and Cs on the ticket machine. Before posting the PCNs please delete your name and reg. number plus anything else that might identify yourself.  
    • Don't forget ... the attorney general (Cox) who apparently advised 'misleading the Queen, Parliament and the British people as ' sounds good to me .. actually said they could ..   He doesn’t much like the idea of staying in the European customs union But said he would be willing to accept one if it would secure the goal of getting Britain out of the EU.    BUT He followed with “If we decided (meaningless distracting time suggestion) that we wanted to review our membership of any such customs union if we signed it – and I'm not saying we will – that's a matter for negotiation and discussion,”
    • Thanks dx   I have emailed the business and I have requested a refund on the form provided by them.   I have noticed on Saga.co.uk there is an article referring to the same website and a paragraph from another motorist who also received PCN for same journey at around same time as us.  'At the end of November 2018 I was travelling on the M 25 over the Dartford Bridge and returning the next day. So I went online the night before and thought I had paid for a return journey at a cost of £12. My Tesco MasterCard shows a payment of £12 to “DartfordCrossingCharge Bristol 000“. I have now had to pay £70 fine plus the correct charge of £5 because the official site did not get my money. There must be so many people being tricked by this false website , sowhy can it not be taken down? The Dart Crossing company isn’t interested. Perhaps because they are also making money from the [problem] every time someone like me makes a mistake?'
    • Hopefully a ditch will be a place of pilgrimage and historic national importance in the UK shortly ...   Off out with a shovel to pick a good spot and dig a trench by the side of the road about half way back from the local watering holes as an offering   ... Pick a good spot where I might get caught short on the way back every Friday night
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dck321

Shoesmiths Claim Form For Natwest loan, 7 days to reply !

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Hi

 

My partner has been making regular payments of £80 to shoosmiths regarding a loan from NATWEST that was taken out in 2008 For £12k

 

the loan was taken out for my business which consequently closed a year later

 

up until then was paying the correct amount of approx £300PCM.

 

I subsequently declared bankruptcy

 

since then we have been paying on a payment plan

 

we have not missed a payment

 

last payment came out as normal on 18th December,

 

shortly following or on the same day or next day she recieved a claim form from Northampton county court,

 

after Xmas I acknowledged receipt of the claim and stated that I intended to defend all of this claim.

 

I also rang shoosmiths this week

 

they have stated that as she did not fill in the income and expenditure form that was sent ( never recieved) in november they have taken the matter further

 

I insisted no form was ever recieved!

 

Shoosmiths have also stated that if we wanted this action to stop then monthly payments of £195 over the next 5 years is the minimum payment plan they will now accept

and if cannot pay this then fill in the claim form.

 

She also stated that I had to send the claim form back to them and not the court so they could review it and take it from there

but surely I need to also reply to the court or I will have gone over my time limit to respond??

 

She said she will grant me an extra 7days on top of the due date (which is the 17th jan) to respond,taking it to the 24th jan is this possible???

 

I have repeatedly asked for original documentation, etc but have had no response?

 

Also I know there are a lot of charges on this Natwest loan account as well as her Natwest credit card?

 

Can I now do a CPR request.

 

The particulars of claim state:

 

" the defendant(D) held the accounts as listed below with the claimant ©

(D) failed to pay the sums due to c when demanded and the sums listed below remain outstanding

Account number xxxxxxxxx debt balance 11395.50

C has complied, as far as necessary, with the pre-action conduct practice direction.

Number"

 

A weird end as there is no number stated at end of particulars ?

 

Any help will be greatly appreciated

Edited by citizenB

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Damien,

 

Why was the loan not included in the bankruptcy ?

 

Can you let us have some more information..

 

What is the date of issue of the claim - top right hand corner of the form.

 

If you are going to defend then you must not send the form back to Shoosmiths and they were wrong to suggest this.

 

You have a strict timetable to adhere to.

 

Date of issue + 5 for service + 14 to acknowledge claim + 14 extra days if you are going to defend.

 

We also need to know exactly what it says on the claim form.. their reason for issuing the claim ? - You have supplied this information in the first post

 

If you are able to scan the document and post it up for us to see that would be good. Please remove any personal information first.

 

Follow the instructions below in order to post it on the forum.

 

 

Dx100 – Instructions on uploading pdfs

 

scan the required letters/agreements/sheets

as a picture file

remove all pers info inc barcodes etc using paint

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goto one of the many free online pdf converter websites

convert the image to pdf format.

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

open a new msg box here

hit go advanced below the msg box

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4: Staying Calm About Debt

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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

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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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Having claimed that they have followed preaction protocol in their claim,

can you also let us know the following.

 

You were in a repayment plan, did they send a default notice - if the did then we need to see a copy if possible, if you cant scan it in then we will need to know.

 

Date of the Default Notice

What were the saying you needed to do to remedy the breach

What date did they give you to remedy the breach.

 

Did they send any Formal Demand letter or Letter before Action.


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Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

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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

 

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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If you let us know the exact date on the Claim form we can confirm the due date for your defence.

 

Have you acknowledged the claim online ?

 

If they are agreeing to extra time, then they need to tell you in writing because it is your responsibility to advise the court of any new filing date.

 

They should be agreeing to extra time under CPR15.5.

 

If you could answer the questions above, then we can advise your next move.


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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

 

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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Damien,

 

Why was the loan not included in the bankruptcy ?

 

Can you let us have some more information..

 

What is the date of issue of the claim - top right hand corner of the form.

 

 

If you are going to defend then you must not send the form back to Shoosmiths and they were wrong to suggest this.

 

You have a strict timetable to adhere to.

 

Date of issue + 5 for service + 14 to acknowledge claim + 14 extra days if you are going to defend.

 

We also need to know exactly what it says on the claim form.. their reason for issuing the claim ? - You have supplied this information in the first post

 

If you are able to scan the document and post it up for us to see that would be good. Please remove any personal information first.

 

Follow the instructions below in order to post it on the forum.

 

Hi citizenB

 

Thanks for the speedy response

 

The date of issue is the 13 December 2012 and yes I responded online

The loan was not included in my bankruptcy as it was my partner that took out the loan not me.

 

Shoosmiths said the reason that a claim was filed with the court was because an income and expenditure form was not filled in!

 

Have scanned the court documents and the letter from shoosmiths recieved on the 17 dec 2012 and the confirmation letter of acceptance from shoosmiths of £80 p,month from jan 2012 the documents are in jpg is that ok or need to be PDF

 

Thanks

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follow guide post 2

 

pdf please

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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i hope your username is not your real name?

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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i hope your username is not your real name?

 

dx

 

I am genuinely doing this for my partner and our sir names our different

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The date of issue is the 13 December 2012 and yes I responded online

 

I make it Monday the 14th to submit your defence.

 

Regards

 

Andy


We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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If you want advice on your thread please PM me a link to your thread

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Click on my avatar and it will take you to a list of options - send me a private message with the user name you want to change 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

 

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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Click on my avatar and it will take you to a list of options - send me a private message with the user name you want to change to.

 

Hi do you mean edit avatar.

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i have merged all documents to date here:

 

 

 

dx

Edited by citizenB

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Hi do you mean edit avatar.

 

Hi, no your user name.. avatar is the photo/image to the left under your user name.

 

eg.. my user name is citizenB - my avatar is a disco kitty.

 

 

All your documents have now been edited and replaced.

 

The last 2 that you posted up are Notice of Statement of Arrears - they are obliged to send this to you under new legislation around 2008.

 

A Default Notice would be a notice issued under s87(1) of the Consumer Credit Act 1974 - It would start off by advising that you are in arrears that they expect you to repay those arrears within a certain time, which must be no less that clear 14 days, allowing some time for postage.

 

That if you dont remedy this.. ie pay them the arrears then they will report to credit reference agencies, or take court action.

 

Did you receive something like that ?


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

 

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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Hi

 

As far as she is aware no but she can't be 100%

 

Thanks

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Ok, from what I can see - In January 2012 they agreed to accept £80.00 per month for 6 months, starting on 15th February 2012 which would take you up to August 2012. At which time, although they dont say, they would require a review.

 

What happened from August ? Did they write to you asking for a review ? Or were you expected to contact them and advise your circumstances - they dont say.

 

You maintained the payments - so I am not sure why they have now taken this action against you.

 

Have you any other paperwork from say August saying the arrangement has ceased and they wanted a new I&E sheet or around October which appears to be the last payment made ?


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

 

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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No we did not receive anything but they said they sent in September and November but definately received nothing until the December the 17 th letter!!

It would be daft to ignore the letters when all that is needed is to fill in the form and send back! She had already done an I and e sheet previously for them to get this payment at £80

 

Payments have still also been made for November and December, What was sent in the PDF was the yearly statement direct from natwest bank not her actual bank statement

 

Thank you

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Hi all

 

If Monday is the deadline date for the reply does anyone know how I should go about it and what to put??

 

Thanks in advance

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No we did not receive anything but they said they sent in September and November but definately received nothing until the December the 17 th letter!!

It would be daft to ignore the letters when all that is needed is to fill in the form and send back! She had already done an I and e sheet previously for them to get this payment at £80

 

Payments have still also been made for November and December, What was sent in the PDF was the yearly statement direct from natwest bank not her actual bank statement

 

Thank you

 

If it is your intention to defend this, then that would form part of your defence. I will flag your thread for someone to pop in and advise further as to what kind of defence you would need to submit by Monday. You can do this online so you have until midnight, Monday 14th.


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

 

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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Another question I meant to ask, was there any Payment Protection Insurance applied to the account ?


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

 

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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Another question I meant to ask, was there any Payment Protection Insurance applied to the account ?

 

Hi

 

She does not know whether she had payment protection insurance is there a way to find this out?

 

And also the log in details for the online have been misplaced over Xmas so will have to hand deliver but it is only 5 mins from our house

 

Thank you again

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Does she have a copy of the original application ? If so, it should be on there. Or can you have a look at statements prior to when you entered the repayment plan because it might be shown on there.


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

 

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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Hi, no your user name.. avatar is the photo/image to the left under your user name.

 

eg.. my user name is citizenB - my avatar is a disco kitty.

 

 

All your documents have now been edited and replaced.

 

The last 2 that you posted up are Notice of Statement of Arrears - they are obliged to send this to you under new legislation around 2008.

 

A Default Notice would be a notice issued under s87(1) of the Consumer Credit Act 1974 - It would start off by advising that you are in arrears that they expect you to repay those arrears within a certain time, which must be no less that clear 14 days, allowing some time for postage.

 

That if you dont remedy this.. ie pay them the arrears then they will report to credit reference agencies, or take court action.

 

Did you receive something like that ?

 

Hi in response to your question regarding the default notice, if it is something that would have been received within the last 6- 12 months then definitely not!

 

As far as I am aware the only basis on which this has gone to court is because the I&e form was not filled in which meant shoosmiths could not update there records

that is what I was told on Thursday over the phone by the employee at shoosmiths who is handling this account, when I queried that i didnt undertand why my partner had recieved a claim form from the court even though she had not missed any repayments.

 

P.s. I was given authority to talk to them regarding my partners case for 24hrs

 

Thanks

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A default notice is usually issued after 3 missed payments - sometimes companies issue one when arrears start building up when a payment plan is agreed.


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The only time when arrears were building up was when my business closed in 2009 so she may of had one then but we cannot remember.

 

What direction do you think i should go in as regards to the claim form. I know it's hard as we do not have all the required info especially as they would not forward any contracts etc

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