Help with default please?

rubyjam

Deleted Thread

sourcrates

That is the normal procedure yes, the creditor usually gives you 28 days or so, to bring the account up to date, if a default notice has not been issued, recovery action can't be continued until it has.

Assuming the original creditor had her address, and she has not moved around a lot, and not updated her details, you have grounds to complain to the creditor, and the DCA.

However, it will be a simple matter to rectify, it will only postpone recovery action, it won't stop it.
If she does not recognise the account, she should ask for proof.

sourcrates

Ah, cause of action dates for overdraughts can be notoriously difficult to determine, as you are not required to make regular payments, as you would with say a loan, or a credit card, the creditor can default you at any time, so it's a difficult one to call.