Any more developments M1 ?

Well done must have been pretty nerve-wrecking.As he has said their pleas are rubbish why didn't he repell them? Has hes set a proof? I think your the only one on cag who has been to debate so congratulations on getting through it.

Looks great to me.Good luck

Definetely, just waiting on letter or writ from sols

Done abit of digging around they cannot issue another DN.It falls under the Data Protection Act ,a report from Carol Hufton from CAB , published in 99 by the Data Protection Registrar states " the re-recording of a default notice is not acceptable and is a breach of the 1st data protection principle".I decided to phone RBS today they refused to discuss anything and refered me to their solicitors,a bit strange since they gave me 7 days to respond to them on the 10th and this is only the 16th.So it looks like another court case for me!

Thanks SFU i think i will have to try and find out why they are only coming after me,when both accounts are joint.Is this some loophole regarding the first DN where it was against me and my wife and now they are just trying to get judgement against me, so they think they can issue a new DN and disregard the first one.

Hi all received a termination letter today for both accounts, it is dated 10th June. The default notice was up on that same day have they terminated a day early?

By taking you to court and demanding re-payment in full surely that is classed as termination?

Hi all i asked Banker-Rhymes too have a look and he has confirmed that they can't issue another DN regarding the loan since they have clearly terminated and also they can't issue a DN for the overdraft using the sections they have quoted

subbing

Just printed it off.Also they have only sent me a default and not a joint one(maybe if they give up again it gives them another chance at the wife!)either that or hers will come tomorrow.I'm pretty sure i read it somewhere that an invalid DN cannot be rectified by sending another,and since they can,t find the first one then i can never check it to see if it was valid

Just checked my credit report RBS have defaulted me on 31/10/08 regarding the loan and the overdraft is showing nothing adverse on the report with a zero opening and closing balance:confused:

Yes his fee is added to the total bill

the expenses are set out in legislation so what you claim is sort of set by it,, you get x amount for doing adjustments and a set amount for going to an options hearing, so every time you respond or participate in your case there will be a charge for it,but as i was told it is a specialised field and you will hopefully be going to a professional to do it for you in your case