There is a problem here, in that a warning letter from a creditor to say he is about to record a default on your file, is not the same as a DN under section 87 of the CCA 1974.   This is not picked up by the FCA, t least I cant find it, however. Probably no equivalent in German legislation.   A not ice of default is issued just to warn of an intended notification on the file, it is not about enforcement,(see Rankin,Mc Guffick) and gives 30 days.   A section 87 DN, a
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