Default Notices : What they are and EXACTLY what they must contain (OFT)

[TheAnalyst]

I think some people should find this useful when trying to get defaults removed, we all know that loads of companies dont even send out a default notice before trashing your credit files, this is from the OFT website and explains what a default notice is and more importantly what it must contain for it to be legal.

 

If a default notice in the proper form is not served, the action cannot proceed. The case that supports this is Woodchester Lease Management Services Ltd v Swain & Co NLD 14 July 1998

 

Feel free to tip my scales if you find this useful

 

Office of Fair Trading

http://www.oft.gov.uk/shared_oft/business_leaflets/consumer_credit/oft020.pdf

 

Matters arising during the lifetime of an agreement

Consumer Credit Act 1974

 

 

[maybelline]

I see you are ongoing with WF, I am waiting for a hearing date re the default notice argument I have included with my unfair charges claim, I am hoping they will not ask for their costs as GE have done by counterclaim!

[pfchute]

Hi the link in the first post requires a user name and password to view the PDF

 

Please help

[car2403]

Try this HTML version;

 

Matters arising during the lifetine of an agreement

[FANTASY CHARGES]

Hi the link in the first post requires a user name and password to view the PDF

 

Please help

 

 

YES anyone can register admittadly it's the effort

[pfchute]

YES anyone can register admittadly it's the effort

 

 

No need for the sarcasm i did look on the site for the option to register before posting.

[FANTASY CHARGES]

No need for the sarcasm i did look on the site for the option to register before posting.

 

 

thanks :

 

just one or two tips

it is very easy to NOT remember where you saw something so either print it out immediately

 

----- or email the link to yourself ( or to a second special email address - just for cag ) and also cut and paste some of the document into the email

 

-- a diary is a very good place to make notes as well ---

 

if the post was on 24th july put a not on that date etc

[pfchute]

Hi Fantasy

 

let me apologise for my post I was not having a go and appreiciate all the excellent help and advice that you guys give

 

It is no excuse but I have had a really tough couple of days of reading all that I can on the site regarding removing 3 satisfied defaults from my file 2 overdraft accounts and a vodafone contract. I am attempting to buy my first house and they are proving a problem.

 

I regiestered a long time ago on this site when i initiated my charges claims and never thought ihad much to add constructively so didnt seem fit to post

 

I feel like i have read the whole forum but just keep going round in circles, and to cap it all the space bar on my computer wont work properly.

 

I have started a thread so people can check my progress http://www.consumeractiongroup.co.uk/forum/data-protection-default-issues/123573-3-defaults-remove.html#post1282738

 

Apologies again for any offence caused

[powerful_rogue]

YES anyone can register admittadly it's the effort

 

Probably a really sillly question, but where abouts do I register? Ive found the link to subscribe, just not to register

[pfchute]

Wasnt just me then. I still have not found the register link but this is what i have been told is required on a default notice. Please add or correct as you seem fit. Hope it helps.

 

 

A Default must contain a number of regulatory requirements. That it is served under the Consumer Credit Act, the demand must say who you are, delivered to where you live (or work), who the creditor is, their address, how to contact them, what is owed, what it is owed for, when you must pay the amount by and what will happen if you do not pay i.e. “if you do not pay £100 by 12/11/99 we will take legal action”, and finally that you should seek advice…

[Curlyben]

Try this: matters arising during the lifetime of an agreement OFT.pdf

[car2403]

That link doesn't work for me, CB;

 

"you do not have permission to access this page"

[FANTASY CHARGES]

http://www.consumeractiongroup.co.uk/forum/legalities/20118-default-hell.html

 

above is a link to the thread surleybonds "started on" post 14

[maybelline]

is there a template to send to cra?

[car2403]

It's in the post Fantasy Charges provided, above, at post #14

[maybelline]

thanks