Default notice

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ben102

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Post by ben102 » Sat Sep 27, 2008 5:19 pm
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Hi,

Can anyone give me a bit of advice on default notices?
I last paid my creditors on the 2nd of June.
I was served a default notice on the 22nd of July after missing one payment with (EGG) and a default notice was placed on my credit file on August 18.
I was under the impression that a default can only be issued after missing three payments?

Do I have the right to challenge this default notice?
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LoneRanger

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Post by LoneRanger » Sat Sep 27, 2008 5:20 pm
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Are you in an IVA now?
Steve.

IVA approved!
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Adam Davies

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Post by Adam Davies » Sat Sep 27, 2008 5:31 pm
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Hi
I think that they can default you as they seem fit,as long as they have actually served you with the default notice,giving you time to pay the arrears.
It will stay on your file for six years,the same time as an IVA
Regards
Andam Davies
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ben102

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Post by ben102 » Sat Sep 27, 2008 5:41 pm
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Thanks. No I am not in an IVA.
I have put my IVA on hold at the moment.
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MelanieGiles

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Post by MelanieGiles » Sat Sep 27, 2008 6:09 pm
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Yes - Andy is correct here. A default notice can be filed at any time, but it is more usual for the creditors to wait three months before doing so.
Regards, Melanie Giles, Insolvency Practitioner
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