Has anybody managed to get a default removed when offering a F&F to DCs?

[kellyplanet]

I was wondering if anyone had managed to get a default removed from their credit file when negotiating a F&F with debt collectors.

 

I have CCAd Cabot for a debt of £1500 and very much doubt they will come up with a CCA as this is the 3rd Debt Collector onto this debt.

 

I just want them off my back but also want to improve my credit file. I was thinking of offering them 10% and removal of default for starters.

 

Has anyone had any experience of this and do you have any template letters?

 

any advice greatly appreciated.

[IdaInFife]

if no cca this might help:

 

Account Number:

Dear Eejits

Thank you for your letter dated xx/xx/xx, in which you confirm that there is no executed credit agreement relating to the above referenced account and confirming that all collection activity will cease.

While admitting no liability for the account and the sum claimed as owing, I am willing to offer the sum of £xx as an ex-gratia payment in full and final settlement of the account.

This offer is made on the clear understanding that neither you nor any associate company will take any further action to attempt to enforce or pursue this debt in any way whatsoever and that any and all liability on our behalf will be fully discharged on receipt of the above stated monies.

This offer is made on the condition that of all adverse entries regarding this account are removed from our credit files with the credit reference agencies.

Payment can be made within 2 weeks of receiving your written confirmation of your agreement of this offer and the subsequent terms of the offer. Please also identify your prefered method of payment and the details of making said payment.

Please note this offer will expire on (date - give them a couple of weeks) if no letter of unconditional acceptance is forthcoming and may not be repeated. This offer is not open to negotiation.

We look forward to receiving your reply.

 

ida x

[Stressed150]

Everytime I hear Cabot have no CCA..... it maes me want to screm as I have just paid them 3k on a debt which I never CCA'd!

[kellyplanet]

Thanks for the template I am going to enjoy this!