Credit Services Association

sourcrates

ScaredWitless wrote: »

As far as I understand under section 87,88 and 89 of the consumer credit act 1974, if they can't comply for a default notice they can't issue proceedings.

The credit agreement they sent was too small to be read by the naked eye.

The NOA had no no identifying account number, and had no name or address on it either, and had only 1 signature. The covering letter that was mentioned on the NOA was missing.

So there is a lot of things Drydens havent done correctly.

I also have concerns over the actual default date itself.

The problem you may have though is arguing this matter in court, you would need a solicitor to point out the legal flaws, if you are prepared, and can afford to do that, then by all means do so.

Your plan should really be to dispute the credibility of the evidence you have been sent, which you have done, and hope they throw in the towel.

ScaredWitless

sourcrates wrote: »

The problem you may have though is arguing this matter in court, you would need a solicitor to point out the legal flaws, if you are prepared, and can afford to do that, then by all means do so.

Your plan should really be to dispute the credibility of the evidence you have been sent, which you have done, and hope they throw in the towel.

I think that could be why Drydens have not threatened me with any court action because they know they can't comply for genuine valid proof of debt.

The CSA have given Drydens until tomorrow to respond, and so far they have failed to reply!!

I'm hoping that they will now drop it.

I need to inform the CSA Drydens have not responded within the statutory 28 days they give their members.

I'll know tomorrow where I stand with the CSA and what action they can take on Drydens for non compliance.