Happy Bunny UE diary

[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

[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

[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

[vint1954]

Re: Happy Bunny UE diary

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

[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.

[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

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

[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.

[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

[Never-In-Doubt]

Re: Happy Bunny UE diary

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

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

Exactly, that's the way to go

[happy_bunny]

Re: Happy Bunny UE diary

Update below:

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.

Oct 2013 Received a letter from Debt Management & Recovery Services, Sheffield. We have been instructed by Santander to obtain immediate settlement of the above debt...blah
Presumably internal collections as its got Santander marked all over it and its signed by the same bloke who's been signing the other letters relating to the account from Satander...

[SXGuy]

Re: Happy Bunny UE diary

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

No mate, is two credit cards. Had a massive battle with them to send anything after the signature fiasco, and then finally admitted UE, no docs at all. But have never been defaulted and still receive min payment statements.

[vint1954]

Re: Happy Bunny UE diary

Did you send a missing PT's letter ?

[happy_bunny]

Re: Happy Bunny UE diary

Hi folks.

Any ideas on this:
http://forums.all-about-debt.co.uk/s...oot-Santander)

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.
Oct 2013 Received a default on my credit file dated May 13.
looking back through my paperwork, I did receive a DN in April. Still not convinced its correctly formed, but at this point not fussed as I was hoping for this to get recorded soon.