Is this a Valid Default Notice??

10past6

The DN is invalid due to non compliance with required legislation i.e., not allowing you 14 days to remedy the breach, because your were in arrears at the time the default was issued, didn’t mean the remedy couldn’t be rectified by a 3rd part i.e. friend / family.

Do you agree with the amount on the DN?

Does the amount include any excessive charges / disputed PPI?

Should you have an outstanding claim / dispute re excessive charges / miss sold PPI, the claimant CANNOT include those amounts within the DN, if yes, they’ll strengthen your case when claiming the DN is invalid.

DeBilde

Hi thanks for the reply.

The total arrears is just arrears no charges or PPI etc....

Is this invalid for both 1st and 2nd class post?

Is the date the only reason it not valid?

Thanks

thechippy

It's invalid 1st or 2nd - don't let them know this though...........;)

thechippy

Another thing,

You need to send them a letter stating that although not happy, you accept thier unlawful rescission of contract. (Don't tell them why) and keep the letter brief!

If you make any more payments, or do nothing, the agreement could be classed as enduring. Agreements are unilateral and as such, you need to "AGREE" it's ended / terminated.....:D

DeBilde

Thanks for this, really appreciated.

Will send them a letter today and send recorded.

I will probably back for help with my defence