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Hi I need to do something to help my ex on this one.
Background is she has become less and less able to deal with her finances, she was getting a lot of late payment charges etc and it took me to set up minimum payment DD's for her to stop that, I beleive she is also paying some extra as well by means of SO
Anyway today I found a letter from ACE which is a catalogue debt
Basically she hasn't paid since january and has been hit by lots of £20 default charges.
The last letter i opened was a DN dated 16th June.
Now I know it is faulty as it only gives her 14 days to remedy the breach (says 30th June) and came by TNT post .
I have no idea when she opened this account and neither does she, sometime between 2003 and 2011.
Her credit rating is probably fair with just a few late payments . But she says that she doesn't care about her credit rating which I find odd as up till now she has been very proud of how she had gaind credit since we split up.
My questions are
If they have registered a default , can I get it removed as the DN is faulty
Should I(she)send a cca request just in case it is pre 2007
The debt is only 603 and she does have the money to pay it, so would it be an idea to offer a F&F on the understanding they remove the default (if there)
What does anyone think?
Background is she has become less and less able to deal with her finances, she was getting a lot of late payment charges etc and it took me to set up minimum payment DD's for her to stop that, I beleive she is also paying some extra as well by means of SO
Anyway today I found a letter from ACE which is a catalogue debt
Basically she hasn't paid since january and has been hit by lots of £20 default charges.
The last letter i opened was a DN dated 16th June.
Now I know it is faulty as it only gives her 14 days to remedy the breach (says 30th June) and came by TNT post .
I have no idea when she opened this account and neither does she, sometime between 2003 and 2011.
Her credit rating is probably fair with just a few late payments . But she says that she doesn't care about her credit rating which I find odd as up till now she has been very proud of how she had gaind credit since we split up.
My questions are
If they have registered a default , can I get it removed as the DN is faulty
Should I(she)send a cca request just in case it is pre 2007
The debt is only 603 and she does have the money to pay it, so would it be an idea to offer a F&F on the understanding they remove the default (if there)
What does anyone think?
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