Default notice -natwest card

dadooronronrondadooronron

Help Please - I have posted elsewhere to explain I am in process of setting up DMP with CCCS and as per advice have written to all those I owe explaining this and making token payments. Most have responded with letters saying will give 30 days grace.

Some have sent income/expenditure forms - Do i fill these in? or do is just write and again confirm that CCCS will be getting in touch?

Main point of this thread is that today received DEFAULT NOTICE in relation to NATWEST CARD. I have been writing to these and havent received any response until this. bring accounIt says I have 17 days from date of letter (letter dated Monday 6th Sept) and need to bring account into order. Arrears stated on letter as £543. However on Monday 6/9 I paid £100 to them via online banking so this will be with them now.

It says contact them if having difficulty - but I have been contacting them in writing!! I have also stressed I wish to deal with them in writing only as I get frustrated on phone as seem to go round and round in circles when talking to them.

Any advice on what to do next? Or what they will do next? Will it make any difference that I have paid £100 this week?

All advice welcome - thanks RON

dadooronronrondadooronron

PLease see my earlier post. Any suggestions or those with experience advice greatly appreciated.

Hannah_10

Ok about those income and expenditure sheets... The CCCS/Payplan will help you put together a single Inc/Exp sheet which will go to all yor creditors so you can chuck the other ones away. You have 30 days grace not as a goodwill gesture but as a right, so you have a right to 30 days grace from the collection activities of all your creditors.

If that includes them filing a default or not, I am not totally clear on. I would think not. When you start a DMP most of your creditors will file defaults against you, that's just the way it is. Defaults don't really mean that much, just that for the next 3-6 years fewer lenders will lend to you... Well for most people on a DMP more debts is the last thing they need or want so a couple of defaults isn't going to make a lot of difference. A default is just a note on your credit file that says "he didn't meet his repayments like we expected", well yeah- if you could repay it all in one go you wouldn't need a DMP. I really wouldn't worry about it.

Paying £100 off just means they can only file a default for £443, it doesn't change the default filing process.

Do a forum search for a thread by saltnvinegar called learn from my mistakes or similar, it really is an excellent thread for you to see right now.

EDIT: Found it, read this... https://forums.moneysavingexpert.com/discussion/2673537

dadooronronrondadooronron

Thank you for your sensible words of wisdom and for the link. I just read saltnvinegars thread and went "Yes, Yes - that is all so true" I am going to look at that each day to remind me that I am not alone. Thanks again - RON