Natwest default on current acc

Charliebird

Hi

DH is in a dmp with Step Change (CCCS) things have been going well 3 yrs down line.

However Natwest have just slapped a default on his current account which had previously been running fine under an arrangement to pay with the dmp.

He has had no correspondence from Natwest to say that they were filing a default notice. The default was filed on the 31st May. The only correspondence he has had is a copy of a letter sent to Step Change to say that the annual review was over due and that they had 14 days to advise Natwest. The date of this letter was the 5th June. They refer to another letter that was sent to Step change which we have not seen.

How does DH stand? I have drafted a letter to Natwest asking for a signed certified copy of the default notice.

Surely Natwest cannot slap a default on without notifying him?

Anyone help or suggest anything?

Thanks
C

happy_bunny_2

I think ODs are a bit odd with regard to default notices.

Not sure they have to send one.

I think that if you don't pay when they recall it, usually given 30 days notice, then you are in default.

Even if they have to send a DN for say a loan, then they only have to prove it was sent, not a copy.

An SAR may be useful if there has been some odd things with account handling as they have to send a copy of transaction history etc

Charliebird

Thanks Happy Bunny. Is there nothing governing defaults on od's? Seems unfair to be happy with an arrangement to pay and then go to default with no notification and after 3 years.

happy_bunny_2

Not my area of expertise. PMd you a site that may be able to help.

Thrugelmir

The DMP alone will be sufficient to damage the credit rating for some time to come. An additional default will make no difference from a potential lenders point of view.