Good bye Debt - Hooker Acc's

[Moonmonkey]

[QUOTE=Roger;n1533675]

This is a first step towards taking back control of your money and your life instead letting your creditors empty your wallet/purse!

I have a Wallet (currently empty, soon to be full)

[PlanB]

Thank you all for response / comments.

Addressing those raised by Di in particular ..

MBNA Natwest - Letter from Cabot Jan 2019 after my CCA correspondence stated .. Natwest unable to provide documentation..Account currently unenforceable but balance remains payable.

MBNA Mint - Letter from Cabot 22 January 2020 - We have been unable to get info'. This means we are not permitted to get CCJ but we can request payment . We would like to talk about payment plan.

I spoke to Cabot on 21st January and without making commitment suggested that I may be able to make a one off 40% settlement payment . The response was that the would look into the CCA matters ( they had not got anything on file referring to my original correspondence request) and call me back to discuss 40% offer. I haven't taken a call ( they may have tried) but did receive the CCA response noted above.

I am fortunate that I can afford to make the 40% ( little more if forced to) so minded to knock these on the head for piece of mind given my wife's experience & mine following !

Hello

Did you eventually manage to settle these debts to get the piece of mind you and your wife wanted after visits from Resolvecall which were unsettling, or have the (admitted) unenforceable ones left you alone?

Di

[Hooker]

Hello Di

Firstly apologies for the extreme delay in responding !. Hope you are well

A lot has happened since my last post including Covid which did quieten down credit card contact.

Basically since 2021 I have ignored all calls to my mobile and all letters which has resulted in the following still in contact..

Cabot Financial - Natwest Card

PRA - Barclaycard

Link - MBNA 033

Lowell - Capital One


Cabot just send letters and have very recently offered a £261.25 settlement

PRA sway from phoning every day to every week . Also receive texts offering discount which I think is up to 50/60% now.

Link send letters and call occasionally . Occasionally offer discount

Lowell - Keep sending letters saying considering further recovery action .. they mention ' debt could be passed to third party debt recovery who will get in touch'

The discounts are getting to a stage where I am thinking of settling some . If I do would it affect me if I only settled 1 ? Also is there standard wording that should be used when agreeing a full & final settlement ?

Good to see this website still around and helping people.

Best regards

[nightwatch]

Hello Hooker,

sorry, you will find Di is no longer on site.She has been very unwell, but is getting back into fighting sprit, or so she tells me.

as for your F&F, there is a template letter somewhere in here, don't ask me to link to it as I can't at the moment.

If you really need to settle then I would go with the one that could be enforceable, the others can ask but without the paperwork cannot do much else.

With that in mind could you hold your nerve and wait till they are SB, coz if you contact them, they may smell money and come for more than you want OR need to pay them.

All mine are now well and truly SB, but there is one that Intrum like to forget that is the case and still send me begging letters near to the Jolly season, this year I may send the SB/ leave me allone letter along with a box of mince pies.

hope you and your wife are well x

NW

P.S. If you do go for a F&F, DO NOT go into financial details with any of them, just state you are willing to pay X amount. take it or leave it.