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Just received a default notice from Nationwide credit card services.
It generously gives me 21 days from the date on the letter. The date on the letter being 28th October. It was received today, the 5th November. The tight arses sent it second class.
Now I believe they have a legal duty to offer me 14 days from receipt which means they're only giving me 13 days.
The account is likely to be unenforceable (taken out in '97 or round there) but I have been paying a token amount through CCCS regularly although less than the required for perhaps 2 months, I'd be quite happy to continue paying this small amount until hell freezes over but it looks like they're determined to default me.
So the question is what fun can I have with them? As I see it I'll wait until they flog it to a DCA so I'll see the interest stop, then I'll stop payments until they cry then send a CCA request. Or should I be confronting them over the 13 days they've left me with to sort the account and head the default notice off? I have other debts so I'm resigned to getting defaulted at some point.
It generously gives me 21 days from the date on the letter. The date on the letter being 28th October. It was received today, the 5th November. The tight arses sent it second class.
Now I believe they have a legal duty to offer me 14 days from receipt which means they're only giving me 13 days.
The account is likely to be unenforceable (taken out in '97 or round there) but I have been paying a token amount through CCCS regularly although less than the required for perhaps 2 months, I'd be quite happy to continue paying this small amount until hell freezes over but it looks like they're determined to default me.
So the question is what fun can I have with them? As I see it I'll wait until they flog it to a DCA so I'll see the interest stop, then I'll stop payments until they cry then send a CCA request. Or should I be confronting them over the 13 days they've left me with to sort the account and head the default notice off? I have other debts so I'm resigned to getting defaulted at some point.
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