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Default notice...what do I do now?
Comments
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Whether or not you supplied the OC with a budget sheet, you're under NO LEGAL OBLIGATION to provide an I&E to ANYONE other than the court requesting it.If it goes to a DCA, then obviously supply them with the same budget etc as you supplied the original creditor with.Click here for Martins (MSE) advice on who to contact with Debt Issues - YOU HAVE NO REASON TO USE A FEE PAYING DEBT MANAGEMENT COMPANY- THEY CANNOT DO ANYMORE FOR YOU THAN THOSE LISTED IN MY LINK ABOVE.
All information given by myself is offered informally and without prejudice - if in doubt seek help from a qualified and insured professional0 -
I didn't say you were under any legal obligation to. I just think that it has helped me in negotiating payments with OC's and DCA's after my accounts have been defaulted.Whether or not you supplied the OC with a budget sheet, you're under NO LEGAL OBLIGATION to provide an I&E to ANYONE other than the court requesting it.DMP Mutual Support Thread Member No 19017/05/08 - Total on DMP: £10025.7007/05/14 - Total on DMP: £1666.20 DFD: July 2017!!Baby Tomos born 5th June 2009 - 6lb 5oz :jWeight Loss Target - to lose 60.8lb by NYE 2015 - 37.6lb TO GO0 -
I made the point for anyone reading the thread, oh, and I'd never advise anyone to give a creditor / DCA an I&E, it's none of there busines, simple as that.Click here for Martins (MSE) advice on who to contact with Debt Issues - YOU HAVE NO REASON TO USE A FEE PAYING DEBT MANAGEMENT COMPANY- THEY CANNOT DO ANYMORE FOR YOU THAN THOSE LISTED IN MY LINK ABOVE.
All information given by myself is offered informally and without prejudice - if in doubt seek help from a qualified and insured professional0 -
If you go to court won't they have to see some kind of budget then though?DMP Mutual Support Thread Member No 19017/05/08 - Total on DMP: £10025.7007/05/14 - Total on DMP: £1666.20 DFD: July 2017!!Baby Tomos born 5th June 2009 - 6lb 5oz :jWeight Loss Target - to lose 60.8lb by NYE 2015 - 37.6lb TO GO0
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Yes, but that's for the court to decide, not some twopenny DCA, which is why I stated, don't send anyone other than a court an I&E.If you go to court won't they have to see some kind of budget then though?Click here for Martins (MSE) advice on who to contact with Debt Issues - YOU HAVE NO REASON TO USE A FEE PAYING DEBT MANAGEMENT COMPANY- THEY CANNOT DO ANYMORE FOR YOU THAN THOSE LISTED IN MY LINK ABOVE.
All information given by myself is offered informally and without prejudice - if in doubt seek help from a qualified and insured professional0 -
Personally I'd rather try sort it out before it gets to court. I've got nothing to hide and if they're still not happy then take me to court. If I can delay court proceedings by providing information when requested I will. What I have shown them is that I am paying them all I can afford and that taking me to court won't change anything. That's my opinion anyway.DMP Mutual Support Thread Member No 19017/05/08 - Total on DMP: £10025.7007/05/14 - Total on DMP: £1666.20 DFD: July 2017!!Baby Tomos born 5th June 2009 - 6lb 5oz :jWeight Loss Target - to lose 60.8lb by NYE 2015 - 37.6lb TO GO0
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Good, and my opinion still stands for anyone reading who feels intimidated by any twopenny DCAs.That's my opinion anyway.
They have no more authority / power than your local milkman or bin man.Click here for Martins (MSE) advice on who to contact with Debt Issues - YOU HAVE NO REASON TO USE A FEE PAYING DEBT MANAGEMENT COMPANY- THEY CANNOT DO ANYMORE FOR YOU THAN THOSE LISTED IN MY LINK ABOVE.
All information given by myself is offered informally and without prejudice - if in doubt seek help from a qualified and insured professional0 -
That's something I agree with. If they are being intimidating then I don't see why I should play ball either. I've been quite lucky with mine though. We've both been co-operative and all is going well.......so far.DMP Mutual Support Thread Member No 19017/05/08 - Total on DMP: £10025.7007/05/14 - Total on DMP: £1666.20 DFD: July 2017!!Baby Tomos born 5th June 2009 - 6lb 5oz :jWeight Loss Target - to lose 60.8lb by NYE 2015 - 37.6lb TO GO0
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I refuse to give DCA's my I&E. They've had all that from CCCS and nothing's changed so there is no point in sending another one. I had one DCA asking me for my bank statements and mortgage repayments and details of any savings if I had any - I refused to send as it's none of their business. Not even CCCS asked me for proof of my mortgage!
I've had a couple of default notices about this time last year and since then, nothing more.Debt 30k in 2008.:eek::o Cleared all my debt in 2013 and loving being debt free
Mortgage free since 20140 -
I agree with 10past6 about not contacting Payplan or CCCS if you have legal issues as they tend to admit and not giving you the option to fight it. I wouldn't let CCCS know if I had received any legal papers.Debt 30k in 2008.:eek::o Cleared all my debt in 2013 and loving being debt free
Mortgage free since 20140
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