Natwest credit card default

[Damo60271]

Evening all, I'm new to CAG so please bear with me as I try and explain the issues...

 

I had a Natwest credit card for several years since 23/09/2004.

 

More recently I had some financial issues due to now ex partner etc and I fell behind slightly with payments to the credit card.

 

I have since checked my credit file and noticed that I have a default registered by Natwest on 23/10/2013.

 

Since realising this default was registered, I have been in contact with them to try and remove the default as I had no notice of it been added to my credit file.

 

I requested from them the CCA, which to be fair they sent to me,

however they have not sent me a copy of any default notice.

 

 

Also on the CCA the document was signed in 1985 a year before my birth so I questioned the legitimacy of the agreement.

 

I sent a reply to them with a section 10 notice as I disputed the legality of the CCA they sent me,

and they havnt sent me a copy of the default notice they say they had sent.

 

Since this time, iv also become wise that my credit record shows as 1 late payment and then straight into a default....which I think is incorrect?

 

I have just today received another letter from natwest saying they will not be removing the default,

as they do not believe the account to be in dispute..

.however I can not see how this can be the case as I am disputing it...

 

Further more they are demanding payments and telling me I have legal standing.

 

My question is:

 

Given their failure to supply me with the default notice or copy to prove it was sent,

the recording of the inforation in my opinion incorrectly on my credit file,

and the date being incorrect on the credit agreement they sent.

..is it in my interests to pursue this further, and if so, what is the next step, as they refused to my section 10 notice.

 

Any help would be much appreciated

 

Thank you

[dx100uk]

not sure where you are reading or if they are very old threads.....

 

there is no requirement for the creditor to send you a copy of any default notice.

 

the only ref which must exist, is within the comms/account log, contained in an SAR return.

that simply has to note one was sent to you.

 

a default notice simply gives the creditor the option to register a default - not that they will.

 

also a section 10 notice is to all intent and purpose is ineffective against a creditor where an obvious agreement did exist at some point.

 

now that's very nice of them the send you a CCA from before you were born

silly beggars

 

however, with or without an enforceable CCA

nor with or without a default notice

 

this does not sadly present you with any leverage to get the default removed.

[Damo60271]

Thank you for the response

 

As for the recording of the default is that correct?

[dx100uk]

if you didn't make a few payment or wee short then yes sadly [3 typically]

 

 

dx

 

 

 

 

dx