Happy Bunny UE diary

[Never-In-Doubt]

Re: Happy Bunny UE diary

two natwest accounts, gone unpaid over a year, both confirmed ue by natwest, still no default, still send min payment statements each month, i will complain, but only once a default has been issued, my complaint will be, the account hasnt been paid for over a year, therefore default is wrong, should be corrected to reflect true default date. until then, no point complaining.

They can default within 6 months but remember if it's a current account that is extended to whatever they feel and the FOS tend to side with them too

[happy_bunny]

Re: Happy Bunny UE diary

Right ho.

Well I have a printout of all statements showing no payments and copies of my credit report so I'll keep them safe for now.

[SXGuy]

Re: Happy Bunny UE diary

then after 6 years or so i will start a complaint.

[happy_bunny]

Re: Happy Bunny UE diary

two natwest accounts, gone unpaid over a year, both confirmed ue by natwest, still no default, still send min payment statements each month, i will complain, but only once a default has been issued, my complaint will be, the account hasnt been paid for over a year, therefore default is wrong, should be corrected to reflect true default date. until then, no point complaining.

Hi,

I'm a bit confused by this approach.

What if they never issue a default? It will stay on your credit file forever, in my case with late payment markers.

Thanks

HB

[SXGuy]

Re: Happy Bunny UE diary

two natwest accounts, gone unpaid over a year, both confirmed ue by natwest, still no default, still send min payment statements each month, i will complain, but only once a default has been issued, my complaint will be, the account hasnt been paid for over a year, therefore default is wrong, should be corrected to reflect true default date. until then, no point complaining.

[vint1954]

Re: Happy Bunny UE diary

Understand HB but I think you could only complain if they issue a DN after 6 months

[SA Gold]

Re: Happy Bunny UE diary

Hi,

Was approaching it from the ICO guidelines of a default should be issued within 6 months. I've paid nothing for 7 months as well as their policies being inconsistent and not fair to everyone, as I had one after 2 months previously, which was paid.

In any case, a complaint might actually cause them to issue the default.

I don't want them to never issue one, as then my credit file is screwed for ever, which is unfair and not an accurate reflection of the account status.

Thanks

HB

Hi HB,

Totally understand where you are coming from. Hopefully the default will be along soon and then you can start the six year count down.

Cheers

SA

[happy_bunny]

Re: Happy Bunny UE diary

Was this a Default Notice? It will state issued under s87 of cca 1974

Yes, S87 (1).

Thanks

HB

[happy_bunny]

Re: Happy Bunny UE diary

You cant really issue a complaint that they have not defaulted you. Just need to wait for it to arrive

Hi,

Was approaching it from the ICO guidelines of a default should be issued within 6 months. I've paid nothing for 7 months as well as their policies being inconsistent and not fair to everyone, as I had one after 2 months previously, which was paid.

In any case, a complaint might actually cause them to issue the default.

I don't want them to never issue one, as then my credit file is screwed for ever, which is unfair and not an accurate reflection of the account status.

Thanks

HB

[vint1954]

Re: Happy Bunny UE diary

Update on Cahoot C Card:

My Cahoot credit Card:

• Type of account Credit Card
  
  
• Date commenced Early 2000s
  
  
• Approx balance 5K
  
  
• Date last paid March 2013
  
  
• Are you on arrangement or not paying Not paying
  
  
• Status Arrears. Default due soon I think.
  
  
• Account owner Cahoot/Santander

sent
received
other information


June 2012 Sent CCA request
June 2012 Received CCA with signatures on it.
April 2013 Niddy confirmed UE as missing prescribed terms.
May 2013 Received a few late payment letters, nothing of interest.
Sept 2013 Still no default even though not paid a bean or written to them since End Feb 2013. Odd as they have previously issued a default notice after 2 missed payments. No interest has been added for the last 2 months, no idea what they are up to but nothing after the next statement date and I'll send them a complaint to issue the default.

You cant really issue a complaint that they have not defaulted you. Just need to wait for it to arrive

[vint1954]

Re: Happy Bunny UE diary

Update below. Now have a shiny default letter:



My Santander, formerly Cahoot Flexi Loan:

• Type of account Flexible Loan
  
  
• Date commenced Early 2000s
  
  
• Approx balance 5K
  
  
• Date last paid March 2013
  
  
• Are you on arrangement or not paying Not paying
  
  
• Status Arrears. Default due soon I think.
  
  
• Account owner Santander

sent
received
other information


June 2012 Sent CCA request
June 2012 Received CCA with signatures on it.
April 2013 Niddy confirmed UE as missing prescribed terms.
May 2013 Received a few late payment letters, nothing of interest.
Sept 2013 Received a default letter, so hopefully applied to my credit report soon Pushing it a bit, as no payment made since Feb. Will see what date they file the default for before deciding to complain and get it moved earlier.

Was this a Default Notice? It will state issued under s87 of cca 1974

[happy_bunny]

Re: Happy Bunny UE diary

Hi all,

Couple of updated accounts in previous 2 posts.

Not much else going on, no letters, nothing...

Thanks

HB

[happy_bunny]

Re: Happy Bunny UE diary

Update on Cahoot C Card:

My Cahoot credit Card:

• Type of account Credit Card
  
  
• Date commenced Early 2000s
  
  
• Approx balance 5K
  
  
• Date last paid March 2013
  
  
• Are you on arrangement or not paying Not paying
  
  
• Status Arrears. Default due soon I think.
  
  
• Account owner Cahoot/Santander

sent
received
other information


June 2012 Sent CCA request
June 2012 Received CCA with signatures on it.
April 2013 Niddy confirmed UE as missing prescribed terms.
May 2013 Received a few late payment letters, nothing of interest.
Sept 2013 Still no default even though not paid a bean or written to them since End Feb 2013. Odd as they have previously issued a default notice after 2 missed payments. No interest has been added for the last 2 months, no idea what they are up to but nothing after the next statement date and I'll send them a complaint to issue the default.

[happy_bunny]

Re: Happy Bunny UE diary

Update below. Now have a shiny default letter:



My Santander, formerly Cahoot Flexi Loan:

• Type of account Flexible Loan
  
  
• Date commenced Early 2000s
  
  
• Approx balance 5K
  
  
• Date last paid March 2013
  
  
• Are you on arrangement or not paying Not paying
  
  
• Status Arrears. Default due soon I think.
  
  
• Account owner Santander

sent
received
other information


June 2012 Sent CCA request
June 2012 Received CCA with signatures on it.
April 2013 Niddy confirmed UE as missing prescribed terms.
May 2013 Received a few late payment letters, nothing of interest.
Sept 2013 Received a default letter, so hopefully applied to my credit report soon Pushing it a bit, as no payment made since Feb. Will see what date they file the default for before deciding to complain and get it moved earlier.

[happy_bunny]

Re: Happy Bunny UE diary

Hi all,

Decided I'm no longer going to pay the interest on my OD as per this thread and would appreciate any advice you guys can offer:
http://forums.all-about-debt.co.uk/s...298#post336298

I am planning to write to them, tell them I can no longer afford to service the account and ask them to default it quoting various ICO default guidelines. This will get the default over with as well as stop any charges in a timely fashion, apart from interest. As you know, plenty of other recent defaults.

Thoughts?

I was thinking to see what they come back with as to the next step.

Thanks

HB