Smoogys UE Diary

[smoogy]

Hi

New to this so bear with me!!

OK debt with Capital One credit card.
Default noted on credit file march 2012.
Debt sold to Capquest around feb/March 2013.
CCA request sent to Capquest beginning of April and documents eventually received today not within the time stated in CCA request letter.
Just wondering if they are correct and enforceable and looking for some guidance and help please!!

I was hoping to attach the documents to this post but it keeps saying there is a problem. I will keep trying though!!

Thanks

[ScabHunter]

Re: Smoogys UE Diary

I was hoping to attach the documents to this post but it keeps saying there is a problem. I will keep trying though!!

Hi Smoogy,

Don't try to attach the documents to your post – email them instead to agreements@all-about-debt.co.uk

That will send them straight to Niddy, and only he will be able to see them. Even the mods (including me) and the site team don't have access.

SH

[smoogy]

Re: Smoogys UE Diary

Hi Smoogy,

Don't try to attach the documents to your post – email them instead to agreements@all-about-debt.co.uk

That will send them straight to Niddy, and only he will be able to see them. Even the mods (including me) and the site team don't have access.

SH

Thanks!!

I have emailed them as you suggested!

[Never-In-Doubt]

Re: Smoogys UE Diary

sadly what they've sent you appears to be enforceable at first glance. They have the signed application plus reconstituted terms.

Not looking good... it's a case of blagging it and hoping to reach statute barred and/or arranging a repayment method.

Are you a homeowner? If not then worse case, they may get a ccj (if you didn't pay anything again). Not the end of the world...

[smoogy]

Re: Smoogys UE Diary

sadly what they've sent you appears to be enforceable at first glance. They have the signed application plus reconstituted terms.

Not looking good... it's a case of blagging it and hoping to reach statute barred and/or arranging a repayment method.

Are you a homeowner? If not then worse case, they may get a ccj (if you didn't pay anything again). Not the end of the world...

Oh dear

I think I will try and arrange to pay a small amount each month for the next 6 months and then see if they are a bit more flexible regarding a full and final settlement figure. I had tried to negotiate in the past but they were not willing to budge.
Thanks for your help

[ScabHunter]

Re: Smoogys UE Diary

When was this thing opened? Enforceable Crap One agreements are rare to say the least, and just because they have created a Blue Peter reCON which is enforceable doesn't mean that it will bear any resemblance to the original.

I'd follow a blagging course for now and just see what happens. It is what the snooker players call a 'shot to nothing', as you can always capitulate later if it looks like turning nasty.

SH

[Pixie]

Re: Smoogys UE Diary

Oh dear

I think I will try and arrange to pay a small amount each month for the next 6 months and then see if they are a bit more flexible regarding a full and final settlement figure. I had tried to negotiate in the past but they were not willing to budge.
Thanks for your help

Personally I would stop paying and blag it for as long as you can...they may be more amenable to listening to a F&F offer if they're not getting anything.

[smoogy]

Re: Smoogys UE Diary

Personally I would stop paying and blag it for as long as you can...they may be more amenable to listening to a F&F offer if they're not getting anything.

Havent paid anything since November 2011!
By blag do you mean ignore them???

[Never-In-Doubt]

Re: Smoogys UE Diary

Blag means treat it as UE even though YOU know otherwise. We generally know more about UE than the staff and its easy to confuse them at times so yea, we mean play the game a bit and see how hard they push

[smoogy]

Re: Smoogys UE Diary

When was this thing opened? Enforceable Crap One agreements are rare to say the least, and just because they have created a Blue Peter reCON which is enforceable doesn't mean that it will bear any resemblance to the original.

I'd follow a blagging course for now and just see what happens. It is what the snooker players call a 'shot to nothing', as you can always capitulate later if it looks like turning nasty.

SH

It was taken out in 1998.

Havent paid anything since Nov 2011.

Its not that I dont want to pay them its just I cant afford what they are asking or offering as a full and final. The amount owed is £9300 approx and they want just under £7k as a full and final, I had offered £2700
I am new to this and naive as to what to do and what letters to send so any help appreciated.

[Pixie]

Re: Smoogys UE Diary

No, not ignore but act as if it's unenforceable...sending letters in response to theirs.

Just post up what you get from them (the rough wording not the actual document) and we can suggest what you can send back.

[Pixie]

Re: Smoogys UE Diary

It was taken out in 1998.

Havent paid anything since Nov 2011.

Its not that I dont want to pay them its just I cant afford what they are asking or offering as a full and final. The amount owed is £9300 approx and they want just under £7k as a full and final, I had offered £2700
I am new to this and naive as to what to do and what letters to send so any help appreciated.

I know of someone on here who had a F&F offer of £2K accepted on a £10K debt.

When was it you made the offer to them?

[smoogy]

Re: Smoogys UE Diary

No, not ignore but act as if it's unenforceable...sending letters in response to theirs.

Just post up what you get from them (the rough wording not the actual document) and we can suggest what you can send back.

OK worth a try can yo point me in the direction of the correct letter to send please?
Thanks

[SXGuy]

Re: Smoogys UE Diary

Blag it for now, if you want to offer a repayment in the future, wait until they pass the debt on, they will be more willing to agree a lower repayment by then.

[smoogy]

Re: Smoogys UE Diary

I know of someone on here who had a F&F offer of £2K accepted on a £10K debt.

When was it you made the offer to them?

The last offer of £2700 was rejected in the middle of March this year. They rejected saying they wanted £6988.96!
At that point I sent the CCA request.