Help had a man at the door what do i do now

never-in-doubt

As others have said, the agreement doesn't look enforceable and as we can't see the terms, its hard to say 100%. Can you see anywhere a value for a late payment or anything like that - it will be in the form of a table and will show figures like £30 late payment fee (maybe even £12), or £25 overlimit fee (or maybe even £12)....

That is a giveaway to the actual terms sent, i.e. are they current terms or existing terms at the time you took the account....... I'd send a PM to Fermi, he has been helping with this right?

RAS

I am assuming you are in England and Wales?

Also read about setting aside the SD here http://www.nationaldebtline.co.uk/england_wales/factsheet.php?page=36_dealing_with_a_statutory_demand


A faulty CCa is a reason to dispute the debt. Ring NDL directly for more help.

As per my previous message, do you have the default letter for this debt? if that is faulty, they are scuppered and it is easier to tell.

pinkjaney

sorry for being so dumb but the default letter what should it say. Have found a statement of your account (account with Lowell) also the terms is 6 pages long and nowhere does it state an amount for being overlimit or late payment. it is just 6 pages that anyone could type up and print off there is not a letterhead or anything like that either. Also when does the 18 days start from date of demand or when i got it

pinkjaney

sorry for being so dumb but the default letter what should it say. Have found a statement of your account (account with Lowell) also the terms is 6 pages long and nowhere does it state an amount for being overlimit or late payment. it is just 6 pages that anyone could type up and print off there is not a letterhead or anything like that either. Also when does the 18 days start from date of demand or when i got it

RAS

The default letter says that since you have not made the repayments you have to must repay the whole sum in 14 days or the creditor will terminate the account and place a default on your credit record.

The wording is very formal because it is a legal warning which has to be given before the agreement is terminated.

RAS

The 21 days start from the date you received the demand. The date you receive the demand is classed as the same day the demand is delivered to you, if it is before 4:00pm. If it is delivered after 4:00pm, you will be classed as having received it the next day. (quoted from the NDL link I posted.)

pinkjaney

okey dokey better go check back in a minute

never-in-doubt

RAS wrote: »

The default letter says that since you have not made the repayments you have to must repay the whole sum in 14 days or the creditor will terminate the account and place a default on your credit record.

The wording is very formal because it is a legal warning which has to be given before the agreement is terminated.

Here you go mate - here is a default notice to explain easier lol.....

pinkjaney

Just checked and have not had one of them either

pinkjaney

Just checked and have not had one of them either