Hi hope someone can help me here.
My daughter has a car on Finance over 5 years, the original CCR was with Royal Bank of Scotland, but has since been transfered to Black Horse Finance. The agreement was taken out in 2008. (Just looking at the agreement, I see her surname has an extra letter in it)
She paid all her monthly payments until Dec 2010 when she became unemployed, she missed 5 monthy payments. She is now in employment and has been paying her normal monthly payment since May 2011.
She seems to receive a default notice each month, but not taken any notice as she is now paying.
Today she has received a letter from Nationwide Collection Services Ltd. Copy attached.
http://i790.photobucket.com/albums/yy187/dmb17/Nationwide.jpg
She has not had any termination notice.
Any suggestions do we need to reply & if so how to reply?