Default Registration.

[paulindalex]

Can a Bank register a default with the Credit Agencies, when a person has a case against them in court?

[Amy]

Re: Default Registration.

Do you owe them anything and if so, have you stopped paying?

[paulindalex]

Re: Default Registration.

Yes on three loans and a mortgage. Have stopped paying all because they owe me £3.5K penalty charges from current account. Today received letter offering to refund ALL the pc's on all loans and mortgage account. £1400 without a murmur. But current account is in court still, awainting their defence on Benefits claim. Except for mortgage the loans should be up to date. The bank has filed defaults with the credit agency, even though there is a court case. I notified them that we were in 'Legal Dispute' months ago.

[Amy]

Re: Default Registration.

When you say 'except for mortgage the loans should be up to date', does this mean you have arrears on your mortgage?

Who are you reclaiming from?

[paulindalex]

Re: Default Registration.

Claiming from Halifax £3.5k of PC's on Current Account. Taken from Benefits. Been ongoing since Feb 07.

Have arrears on Mortgage, with Halifax.

They filed 'Default Notices' about 5 months into my claim. Sent letter stating that we are in 'Legal Dispute' at begining. Didn't stop them filing defaults, which I believed being in Legal Dispute would have.
Paul.

[stevokenevo]

Re: Default Registration.

Just as a minor point, i wouldn't advise anyone to stop paying their mortgage, wether they are in dispute over charges or anything else. The old saying "your home is at risk if you fail to keep up payments" should be sufficient.

You have not said if there are any other circumstances as to why you stopped paying, but, my advice would be to make sure you sort out those arrears as a priority.