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  • credit card charges

    hi every body... hope some one can help... Iv a credit card with a balance of 300 and it was handed over to a recovery agent.. the balance with charges we to 400 .. so I rang the company and asked could I pay the 300 .. to clear the debit.. as the limit was 300.. and they said that can't be done as it was down to the credit card company they are the ones that as put the charges on.. so I rang the credit card company back and they said they can't do that ... so I told them there is no more that I can afford any more.. can any one advise on this please so worrying..

  • #2
    Re: credit card charges

    Hi Yvonne,

    Welcome to AAD.

    Can you provide more information about this debt?

    Regards,
    SA
    When Gold isn't enough, there is SA Gold! New to the forum and find the UE route a bit scary? Take a look at my diary here and judge for yourself. I am now saving the money each month that was making little difference to the balance and not a bit of difference to my credit file as a result of finding AAD.



    I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

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    • #3
      Re: credit card charges

      hi the debt company that took the debt over... keeps ringing and ringing my house sending letters im so worried about it... so I rang the company and they said they wont take a settlement as they've not put the charges on.. its capital one that's put the charges on.. so I rang capital one back yesterday and they said no its all charges because of missed payment's... so I said so i'll have to go down the road of debt recovery.. and you'll get nothing... the only thing is I own my own house...night mare...

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      • #4
        Re: credit card charges

        I wouldn't worry too much for 400

        Have you been defaulted on this ? and is this your only debt ?
        I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

        If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

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        • #5
          Re: credit card charges

          hi deepie.. no my water.. for 2000... theyv only started asking today... then that's it...


          Yvonne...

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          • #6
            Re: credit card charges

            hi deepie sorry no not defaulted...

            yvonne

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            • #7
              Re: credit card charges

              Concentrate on the water debt, that is far more important than Cap 1.

              I too wouldnt worry too much and would look to put in an official complaint to Cap One to claim the chages back.

              Sorry its a quick answer at present - only on quickly and need to dash.
              I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

              If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

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              • #8
                Re: credit card charges

                hi Oscar... many thanks ..


                yvonne

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                • #9
                  Re: credit card charges

                  I agree, water is a priority debt. A credit card is not.

                  Ignore capital one for now, we'll come back to that later. For now agree a sensible and affordable repayment with the water board. Don't mess around. Call ASAP and verbally agree. Get the name of the agent and do not pay anything over the phone!! Then let us know what you've agreed and then if necessary put it in writing.

                  However, regards capital one I'll sort you a suitable reply tomorrow.
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                  • #10
                    Re: credit card charges

                    hi will do tomorrow... and let you know how I get on...


                    yvonne

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