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Alternative Default Notice!
If you find yourself bored and have a cast iron defence against a creditor, ie it's not your debt or whatever, then consider the following alternative DN that I have used, in particular I sent this to someone that was hassling me for a debt I knew nothing about.
Suffice to say they soon went away....
The Act clearly states;
(1)The creditor under a regulated agreement for running-account credit, within the prescribed period after receiving a request in writing to that effect from the debtor and payment of a fee of [£1], shall give the debtor a copy of the executed agreement (if any) and of any other document referred to in it, together with a statement signed by or on behalf of the creditor showing, according to the information to which it is practicable for him to refer,—
(6)If the creditor under an agreement fails to comply with subsection (1) -
You have no days to remedy this breach. Failure to do so will result in my continuing to ignore you. If you do decide to cancel the breach then you must write to me at 10 Downing Street begging for forgivness at which point I'll ask my mate Jim what he thinks and whether you're worthy of retaining any licensing activities.
You're just a bunch of fuck-wits. Now deal with my request or get lost!
Suffice to say they soon went away....
Default Notice served under s.78 of the Consumer Credit Act 1974
It is your duty to give information to debtor under running-account credit agreement. You have fucked-up and thus you're now in default.The Act clearly states;
(1)The creditor under a regulated agreement for running-account credit, within the prescribed period after receiving a request in writing to that effect from the debtor and payment of a fee of [£1], shall give the debtor a copy of the executed agreement (if any) and of any other document referred to in it, together with a statement signed by or on behalf of the creditor showing, according to the information to which it is practicable for him to refer,—
- (a)the state of the account, and
- (b)the amount, if any currently payable under the agreement by the debtor to the creditor, and
- (c)the amounts and due dates of any payments which, if the debtor does not draw further on the account, will later become payable under the agreement by the debtor to the creditor
(6)If the creditor under an agreement fails to comply with subsection (1) -
- (a)he is not entitled, while the default continues, to enforce the agreement
You have no days to remedy this breach. Failure to do so will result in my continuing to ignore you. If you do decide to cancel the breach then you must write to me at 10 Downing Street begging for forgivness at which point I'll ask my mate Jim what he thinks and whether you're worthy of retaining any licensing activities.
You're just a bunch of fuck-wits. Now deal with my request or get lost!
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