Oakam - No contact then a Default Notice

[penmarine]

Hi Caggers

 

had a look around about Oakam and didn't really find much.

 

Posting this on behalf of the in laws,

 

they had a loan with these people,

being OAPs and rising costs they couldn't afford the repayments of about £67 a week (yes I know).

 

I did them a letter back in June with a repayment offer but this just increased the amount of phone calls they got.

 

Then out of the blue after 5 months they got a Default Notice letter.

 

Now from personal experience it doesn't look like a default notice

and they refer to another letter that was previously sent to the in laws that was never received.

 

This letter I'm taking for granted would have had the Loan Amount, Default Amount and you have 28 days from this letter to sort out before we issue a DN.

 

Now should I ignore the DN and get a SAR into Oakam for them or challenge the DN so they can reissue it correctly.

 

The letter also said 14 days and its passed to the Debt Collectors,

not that I'm bothered and I've told my in laws not to worry if this happens either.

 

I'd just like to know the next best step as reading one of the posts on here,

I think my mother in law would have a fatal heart attack if she got a letter via the post asking for 159 grand.

 

Any help as always is much appreciated. PM

[renegadeimp]

Can you give more background on this debt? Is it a payday loan?

[dx100uk]

payday loan yea sort of thing.

 

how old is this?

when did it begin?

 

there have been various rumbling elsewhere that they were doing these doorstep loans like Greenwoods/provi.

 

tell us more please

 

dx

[penmarine]

dx/renegade

 

its started sometime in 2008,

 

I'd ask the in laws but I've paid for them to go away for a week.

 

It is definitely a loan as they had to visit the loan place each week to pay the installment in cash.

 

They had topped it up a couple of times since 2008 but not for at least a year.

 

I have the DN letter they've sent

compared to some I've had it doesn't look pukka,

but then again some of the ones I've had weren't pukka either.

 

I'm tempted to DSAR them and start the normal process and put it in dispute.

 

If you would like me to post the DN letter let me know. Ta PM

[renegadeimp]

First bit of advice, stop dealing with them on your doorstep. Contrary to what people may think, these silly people dont have any rights at all. You can just as easily pay the head office the money through online banking.

 

You also mention a default notice. Could you post this up? Does the amount contain any late charges?

[dx100uk]

set your default scan page size to A4 less than 300DPI [150 will do]

scan the required letters/agreements/sheets - as a picture[jpg] file

don't forget you can use a mobile phone or a digital camera too!!

'

BUT......

ENSURE: remove all pers info inc. barcodes etc

but leave all monetary figures and dates.

.

*********************************************************

{DO NOT USE A BIRO OR PEN OR USE SEE THRU TAPE OR LABELS]

*************************************************************

.

DO IT IN MSPAINT.EXE or any photo editing program

goto one of the many free online pdf converter websites ...

http://freejpgtopdf.com/

..

if you have multiple scans/pics

put them in a word doc FIRST and convert that to PDF

or use www.pdfmerge.com

 

convert existing PC files to PDF [office has an installable print to PDF option]

..

 

it would be better to upload a multipage pdf if

you have many images too rather than many single pdfs

.

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

or use word and save as pdf

try and logically name your file so people know what it is.

though dont use full bank names or CAG in the title

i'e Default notice dd-mm-yyyy TSB

.

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

.

dx

[penmarine]

Hi Caggers

apologises for the delay in posting,

 

 

getting info off the in laws can be a bit of a pain.

 

 

Posted is the DN page 1 & 2,

the follow up letter dated the 29 Nov 13 (yes we aren't even there yet) and

a copy of the template letter I sent for them in Jun 13 which resulted in multiple phone calls everyday but no letters.

 

 

I can see that there is a bit of a jump in the amount owed from the default notice to what the DCA will be asking for.

 

 

If you need any more information please ask as I'll get on the phone to the in laws and find it out:

Edited November 24, 2013 by penmarine
pictures were too smal

[dx100uk]

I've clensed the docs as per info was showing on file details

 

 

that's a default sum notice [a NOSIN] letter

 

 

NOT a default notice.

 

 

we need the full statements

 

 

get an sar off to them.

 

 

£4k!! blimey!!

[penmarine]

Hi DX what is the NOSIN then, a pre cursor to the DN? And if it is where is the DN itself? I will DSAR the lizards see what comes up. PM

[dx100uk]

notice of sums in arrear

or

notice of default sums

 

 

just a pretty letter that tells you they are going to levy unlawful fees.

 

 

certainly NOT a DN or a pre cursor to one.

 

 

dx

[dx100uk]

in all effect that letter is nothing

and its a mixture of 2 other letters that can be sent

 

 

they don't detail the 'default sum' they are going to charge either.

 

 

how much did they borrow and how many times has it been rolled over?

 

 

I bet they've paid this loan 1000's times over

 

 

dx

[penmarine]

DX

 

I was under the impression from my own past experiences that a DN was to be made within 3 to 6 months of non payment but backdated to the original time of non payment. As anything over this period was deemed detriment to the consumer or has it changed in the past few years?

[penmarine]

Just seen your other reply I'll find out tomorrow and post when I get back from work and get a DSAR off for them as well.