Zopa default

Fluffykittens_me

Hi, looking for more advice please. Received an email from Zopa saying account has defaulted and to contact to set up payment plan or for them to offer a discount to settle full amount of 13,176. I am currently waiting for info from trans Union to log my unaffordability complaint with the ombudsman as Zopa have not upheld the complaint. It shows on app as default but not on any of my credit scores. Is now the time to act or wit till its passed on or shows on my credit report? Any help is appreciated thanks. 

sourcrates

There`s no rush to do anything, deep breath, take your time, debt collection is a very  s-l-o-w  process, nothing`s going to happen if you wait a few weeks to check on that default.

I`d be asking Zopa why they have not complied with the consumer credit act, in particular, sec 87(1) the need for a default notice?.

Fluffykittens_me

Great, thanks so much. I'll email them and ask the question. 

Fluffykittens_me

@Sourcrates I did receive a letter weeks ago advising they give me 14 days to contact them or they would issue a default and I've heard nothing more other than emails asking me to contact them. No other letters. 

sourcrates

Well emails/texts/phone calls can all be ignored.

You only need take any notice if you are written too, in a letter, legally that`s all that matters.

Fluffykittens_me

Great thanks.