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Default notice and CRAs

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Default notice and CRAs

Post by Dongle on Mon Mar 05, 2018 8:46 pm

Do any members have experience in this area regarding Section 3 (40) of The Lending Code

Subscribers can give CRAs default information about a customer's debts if:
(bullet point 2) the amount owed is not in dispute by the customer

I point this out as the letter process never suggests the customer will NOT pay but clearly disputes the amount or validity of credit owed.
Yet the banks register default notices with CRAs anyway.

Any comments on this?

https://www.lendingstandardsboard.org.uk/wp-content/uploads/2016/06/The-Lending-Code-Nov-2009.pdf

ps see also section 215, Do the letters not indicate that the customer is in co-operation? Therefore debt recovery should not apply, they pass to DCAs pretty quick after the Estoppel notice.

Dongle
Newb
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