Default Notices

[jon1965]

I would like some opinion on if these are legal

I do not have the envelopes and others may have been issued afterwards but these are what I have


Natwest Default regustered on experian 1/3/2007 for £3319
NatWest DN.doc

Natwest Termination.doc

[jon1965]

Re: Default Notices

Morgan Stanley (Can't find a default on my experian credit file or my Noddle)

Morgan Stanley DN etc.doc

[jon1965]

Re: Default Notices

Mint registered on experian 1/5/07 for £623

MINT DN.doc

[jon1965]

Re: Default Notices

Amex Registered 10/6/07 for £3950

AMEX DN.doc

[jon1965]

Re: Default Notices

Halifax Current Account
registered on experian 7/8/08 1 day before remedy date

Halifax DN etc.doc

[jon1965]

Re: Default Notices

Halifax loan account registered on experian 8/10/07


I can not get it to upload but date of letter is 22nd Feb 2007 and remedy date is 3rd March 2007 and all it says is to pay a298.78 which is the equivalent of 2 months payments. I will try later to add it

[oscar]

Re: Default Notices

Natwest doesnt appear to allow 14 days for remedy (from date of letter)

Morgan Stanley - Are they both for the same account?

Mint again only allows 14 days from date of l

Amex only allow 14 days form date of l

If halifax account was registered before time expired, I think they are in do do

Halifax loan, form what you appear alllows insufficient time for remedy.


All appear in some way to be defective to me - but I would wait for those with a little more knowledge.

[PriorityOne]

Re: Default Notices

Jon.... whether a default notice is legit or not only really comes into play if/when a court summons is issued, so please don't stress about this. If your accounts turn out to be UE, then it makes no difference how they've worded their default notices.... 'coz you won't be paying anyway.

Where they want you to "return your card(s) to this office cut in half" though.... don't do it!!

[CleverClogs (RIP)]

Re: Default Notices

I would like some opinion on if these are legal

I do not have the envelopes and others may have been issued afterwards but these are what I have

Natwest Default regustered on experian 1/3/2007 for £3319

Default notice dated 21/11/06, so the notice period is 14 days. However, the notice states it is 14 days after the date of the document, whilst section 88 of the Consumer Credit Act 1974 (link) clearly states it is 14 days after the service of the default notice. This is quite typical of the RBS group, as they seem to have a corporate ethos whereby they regard compliance with the law as largely optional.

Termination notice dated 12 December 2006, 15 days after the presumed date of service of a default notice posted on 21/11/06 and sent by 2nd class post.

[CleverClogs (RIP)]

Re: Default Notices

Morgan Stanley (Can't find a default on my experian credit file)

More than adequate notice given.

(My opinion has been revised - please see below.)

[CleverClogs (RIP)]

Re: Default Notices

Mint registered on experian 1/5/07 for £623

Default notice dated 12/02/07, demanding payment by 26/02/07.

See above for why this does not comply with the CCA.

[Never-In-Doubt]

Re: Default Notices

--> Alternative Default Notice! - allaboutFORUMS

This is the best DN

[CleverClogs (RIP)]

Re: Default Notices

Amex Registered 10/6/07 for £3950

Contains your real name.

Dated 21 January 2007 and requires remedy "within fourteen calendar days from the date of this Default Notice".

Wrong, but Amex are colonials...

[Never-In-Doubt]

Re: Default Notices

Amex Registered 10/6/07 for £3950

file removed by admin

Contains your real name.

thanks cloggy, sorted.

Jon, be careful please mate....

[CleverClogs (RIP)]

Re: Default Notices

Halifax Current Account
registered on experian 7/8/08 1 day before remedy date

May God preserve us from Hull, Hell and Halifax!

However, they've goofed slightly. By stating that the default notice was issued under section 87(1) of the Consumer Credit Act 1974 - link - they have admitted that the overdraft was an agreement regulated by that Act. Consequently, it would be daft for them to claim that it was not a regulated agreement.

They seem to have given enough notice.