One comment on “A few basic rules to follow

  1. Hello

    I wonder if could kindly advise me. A company/online retailer has sent me a default notice served under section 87(1) of the consumer act 1974, stating in summary that i have a credit account and that i have failed periodic payments in full by due dates, outstanding £22.50.

    I never opened a credit account with this company and only made purchases via credit/debit cards and have no idea what this amount is for.

    They mention if i don’t pay by the 21st of January further action will be taken which they state “Further action: On the date shown,we shall require payment of the outstanding balance on the account ,less any rebate,allowable set out below, £22.50”

    I have told them i have never opened a credit account asked them for further information about the credit account/agreement and what the amount in arrears is for, i am waiting for their reply.

    Can this company serve me a default notice for arrears on credit account i have not opened or used ?
    Are they able to note a default payment on my credit file ?
    What information should i request from them?
    Could you advise my best approach to resolve this?
    Now i know i have never opened a credit account with this company, do you think i have a good reason to complain to the FCA?

    Thank you for your time

    Shez

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