Default notice for old PDL, paying gothia - never got a DN?

[Captain Peanut]

Hi everyone

 

I noticed a default on my credit report recently that was showing against Gothia Ltd.

 

I have a repayment plan in place with them for an old payday loan account but do not have any recollection of receiving any default notices.

 

I raised this with Experian who have contacted Gothia and received a response stating that an email was sent to me on 07/12/2010

advising of the creditors intent to file a Default.

 

Now I do not recall ever receiving a default notice, and have no emails from that far back, but is it legal to serve a Default by email?

 

If not, how would I go about obtaining a copy of the alleged default?

If they can send one through is there any way of telling if it is genuine?

 

I'm hoping that there will be no record of the default notice.

 

I'm not disputing the debt, and am paying it back on a repayment plan,

but don;t wan them getting away with a blemish on my credit report if it shouldn't be there.

 

Thanks in advance

[dx100uk]

Gothia Ltd are red castle are BCW .. debt collectors

 

what are they doing with a PDL debt?

 

if the PDL company sold the debt to them

 

odds on theres something WRONG with its legality or PENALTY fees charged.

 

as for the default

I suspect it was defaulted before the original creditor sold it.

 

SAR the OC

 

who was it?

 

dx

[dx100uk]

oh and I don't think service of a DN can be done by email either

 

dx

[Guest]

peanut

note this re the ico's view re recording defaults http://www.scoronline.co.uk/files/scor/high_level_prinicples_document_final.pdf

as you are on a plan then maybe there s/b no default? is the recorded default before you entered into a plan?

re a credit agreement, a default notice should be sent re continued missed payments giving the debtor the chance to remedy the 'default' in payments before any further action. a dn usually precedes any recorded default as it gives the chance to remedy.