Hi all,
So here's the problem. I have had a PCP with mini finance since 2017 and have had no issues making each payment.
July 2019 I had an epileptic seizure and this means I have had to surrender my licence for 1 year (and will get it back after this period) the Doctor has already said as much.
With this I informed Mini in July 2019 to see if there were options of doing voluntary termination of contract but the amount left to pay (because I wasn't half way didn't suit) there were no other stipulations from them and I have continued to pay this (again no issues)
Fast forward to yesterday and I've had a letter from their collections team issues a statement of intent to shortly issue a notice of default???
Checked my credit profile and I'm 100% up to date with payments and never missed one. They state in the letter that I'm in breach of contract for not currently holding a licence but the agreement I've got and read through doesn't state anything about maintaining a licence...
I'm intending to complain and take this to the ombudsmen but my initial concern is whether a default notice is enforceable and if so is this a traditional one? As I haven't missed a payment!!
Thanks in advance
R0b*Docs now uploaded and sent to you*
So here's the problem. I have had a PCP with mini finance since 2017 and have had no issues making each payment.
July 2019 I had an epileptic seizure and this means I have had to surrender my licence for 1 year (and will get it back after this period) the Doctor has already said as much.
With this I informed Mini in July 2019 to see if there were options of doing voluntary termination of contract but the amount left to pay (because I wasn't half way didn't suit) there were no other stipulations from them and I have continued to pay this (again no issues)
Fast forward to yesterday and I've had a letter from their collections team issues a statement of intent to shortly issue a notice of default???
Checked my credit profile and I'm 100% up to date with payments and never missed one. They state in the letter that I'm in breach of contract for not currently holding a licence but the agreement I've got and read through doesn't state anything about maintaining a licence...
I'm intending to complain and take this to the ombudsmen but my initial concern is whether a default notice is enforceable and if so is this a traditional one? As I haven't missed a payment!!
Thanks in advance
R0b*Docs now uploaded and sent to you*
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