when is a default notice not a default notice?

[skimmer]

Hi there newbie here.

 

I am in dispute with Natwest regarding a default I have on my account. After serveral phone calls Natwest have directed me to a letter they sent and state that this letter was my notice of default. My question is, is the following letter a notice of default?

 

 

Please read the following carefully

 

our Records indicate that you have failed to respond to previous demands for payment.

 

We are now considering Legal action against you, and to aviod any future legal caosts we therefore encourage you to give this matter your urgent attention.

 

Please contact them within the next 7 days in order to arrange a repayment plan and aviod court action or the instruction of our local debt collection agent.

 

 

 

 

Any help would be appreciated.

[shafted]

Is the default for an unauthorised overdraft, and charges relating to that or for unpaid dds, if you contesting overcharching you need to put pen to paper, and reply within the time they have set out, you dont want to have a default against you for something trivial.

 

If you believe the default not a to be true you must let them know, you have got time to sort this out before it gets to the default stage, you dont want to get marks against your credit file.

 

It looks as if they are going to start legal procedings against you if you dont reply and just ignore them.

 

Good luck

[skimmer]

Thank you,

 

The was for an overdraft that got called in.

 

I have written to the bank, but they tell me because I didn't respond in seven days (I responded in eight and arranged a payment plan) that is why I have a default marker.

 

Nowhere on the letter or subsequent letters received does it say anything about a default notice, in fact none of the letters even mention the word DEFAULT.

[shafted]

Have you started a repayment plan up with them ? or has it been handed over to the debt collection dept?

 

If its the latter it looks as if you will have admin charges put on for collection, as long as you stick to any repayment plan with there in house dc you should be ok and the default will fall of your credit file after six months, what ever you do dont miss any payments or more than likley it will slip into the hands of an outside dca and you dont want that.

 

All the time your dealing with in house dc you can still contest the fact that a default was lodged against you in the first place, well i mean one day out its a bit bad init.

 

Have tryed getting in touch with your accounts manager to try and resolve the matter without all the extra hassle, that in truth is,nt needed.

[skimmer]

Started the repayment plan as soon as i contacted them, never missed a payment in two years.

 

This has all come to light as I have been refused a credit card (talk about the past haunting you)

 

At the time I was privillaged enough to have a Personal banking manager, which i phoned as soon as got the letters, left messages only for him not to return them (which is why I took 8 days thinking he would call me back and sort this out) Natwest have replied saying that they cant get in contact with said Personal Banking manager and therefore becuase they cant substaniate my claims my default stands.

 

As you can guess, I'm not very happy with this response and consider myself being relegated from a customer who warrants his own Personal Banking manager to a third rate charlie trying his luck.

 

I've sent a credit request letter to Natwest from the templates on the site, its been handled so poorly I am sure their paperwork in not in order.

[skimmer]

just to add to this the default amount on my credit report doesnt correspond to any of the paperwork sent to me by Natwest nor does it show the amount dropping, dispite making payments. I am unsure what to do here.

 

 

Aaaggghhh - This is now consuming my life and all becuase somebody in Natwest didnt pul their fnger out and pick up the phone..........

[shafted]

Ye i know what you mean frustating in it, you should be getting statements on a monthly basis if your not i would sort this asap you dont want to be paying more than what you have to, you could slip into the worse case senareo of them saying you ,ve not payed enough and you saying yes i have with no paperwork to prove either way.