S87 Default notices. Who can issue them?

[jon1965]

Ok
So I have a Vanquis CC that has been defaulted on my CR file and terminated however no even remotely compliant DN was issued just a letter that called itself a notice of default issued in accordance withe the CCA 1974 and giving me 20 days to make the payment. It also refers to the early termination clause in the agreement

Anyway it was later sold to Lowell who every now and then write to me

So
My understanding is they need a S87 DN before they can enforce

As the contract has now been terminated on a contractual level who if anyone can serve a S87 notice . IHaving read the T&C's it does say that the account is not closed until it has been repaid so does that mean it is still technically active and therefore can Lowlife own it ?

[Amethyst]

Re: S87 Default notices. Who can issue them?

''no even remotely compliant DN was issued just a letter that called itself a notice of default issued in accordance withe the CCA 1974 and giving me 20 days to make the payment. ''

???? Think seeing that letter might be of assistance - what makes you say it isn't compliant?

[jon1965]

Re: S87 Default notices. Who can issue them?

Vanquis DN Edit.pdf


That's why I say its not even remotely compliant

http://www.legislation.gov.uk/ukpga/1974/39/section/88

[jon1965]

Re: S87 Default notices. Who can issue them?

As an aside, on the online application form although they get my name and address correct and my employer they get my gender wrong and all the details you would have needed to fill in about length of employment etc are missing so even though it was done in 2010 I would question if it is a "true" copy