DN received

[Izzy40]

Hi, hope someone can offer me a bit of advice. I have been making reduced payments to a few creditors for just over 2 years now, with those payments up to date. A few weeks ago I received a couple of letters from JohnLewis (HFC) requesting a review on my account. I wrote back advising that I was paying the most I could afford and that my circumstances are the same. The next letter from them requested an income / expenditure form, so I did this.

 

I then received a letter saying that if I did not contact them then they would raiseba DN and charge for it. I assumed that this may have crossed over the timescale of returning the income form so I just ignored it. I now have received the DN requesting the full balance by mid November or I will be sent a court summons.

 

I cannot understand this when I have done all that I've been asked to do and have maintained all of pro ratatouille payments. What do i do next? Thanks.

[citizenB]

Is there any chance you can convert the letter to a pdf file and post if up for us to see.

 

I dont think you can be charged for a Default notice it is a statutory requirement prior to terminating the account.

 

Instructions for converting to pdf courtesy of dx100 are below.

 

Dx100 – Instructions on uploading pdfs

 

scan the required letters/agreements/sheets

as a picture file

remove all pers info inc barcodes etc using paint

but leave all figures and dates.

goto one of the many free online pdf converter websites

convert the image to pdf format.

or ir you have PDF as an installed printer drive use that

open a new msg box here

hit go advanced below the msg box

hit manage attachments below that box

hit the add files button on the top right

hit select files, navigate to your file on your pc

hit upload files

NB:you can set where it goes in the post by hitting insert inline.

the hit reply button

It is normal practice for companies to issue a default notice where a payment arrangement has been entered into and as long as you maintain the arrangement the company would be foolish to take any further action against you.

It could well be that they are intending to pass the account on to a Debt collection agency.. If they do, then come back and let us know.

 

Do NOT contact this company by telephone. From this point onwards you should keep all communication in writing, IMHO, their letter was purely designed to have you telephone them, at which point they would start to bully you into paying far more than you can afford.

HTH

[Izzy40]

Thanks for the advice. I cannot do the PDF right now. Is it worth me doing a SAR at the moment? Thanks

[citizenB]

Yes, you could send a Subject Access request to the original creditor. It will cost you £10.00, they have 40 calendar days to comply.

 

There is a draft letter in the CAG library, linked at the top of each screen. You are entitled to see all Data in connection with your financial relationship with the company.

 

Any questions, just yell