Am I Going Loopy - cahoot and a Dodgy DN??

[BelstarBomb]

Totally stunned to receive a default notice from cahoot, not that I wasn't expecting but because of how it is laid out.

 

Letter is dated 8.10.13 and states that it is DN served under Section 87 (1) of the CCA 1974.

 

It then says Dated: 8.10.13 which I assume is the date of service and gives the arrears amount and the breach which is the failure to pay the overdue amount.

 

It then states I have to make payment of the overdue amount within 14 days of the date of this notice!

 

The letter has just arrived today.

 

Am I going loopy but the date sent and date of service in theory cannot be the same as allowing for postage, how on earth can they give me the 14 days by law that is required??

 

Absolutely stunned that in this day and age, a company such as cahoot/Santander can still get it so wrong??

[BelstarBomb]

It also referes to 'if the payment required is not received before the date shown' and there is no date!!!

[dx100uk]

the date to rectify the arrears must be in the format of DD/MM/YYYY

 

not just 14 days from the date of the letter.

 

invalid DN.

 

whats the debt all about please

 

dx

[BelstarBomb]

Hi DX,

 

It's a credit card debt. I'm not disputing it just waiting for funds to be paid to me before I can clear the arrears and pay part of it down which will be on 25th October.

 

It's just that I was looking at it thinking this isn't right and so it isn't!

 

Any subtle suggestions about telling them they're wrong and will have to be patient until 25th?

 

Thanks,

 

bel

[dx100uk]

is the debt already defaulted on your CRA file? if so they cant do it twice!

 

also if there are PENALTY charges and they are included in the DN figure, then that's another reason the DN is invalid.

 

dx

[renegadeimp]

Santander getting things wrong?

 

Nah. They wouldn't do that....

[BelstarBomb]

I know Renegadeimp, it's just that I was stunned to received such an obviously defective one after all the years that they have been beaten up by us the consumer because of them.

 

It's laughable, but imagine if someone who didn't know what I do or have the support of the CAG received this and it tipped them over the edge....

[BRIGADIER2JCS]

Santander are send defective DNs in such large numbers it has to be a 'debt collection' ploy any one receiving such a DN should sent a copy with a complaint to the ICO and the OFT/FCA.