MS CCA Found

[seriously fed up]

Say you are making your payment with out prejudice and with admitting liability and merely to bring this unfortunate matter to an end. That should do, but make sure they are making the offer in full and final settlement - I would also ask them to clean up your credit file btw.

If it means that they can sell the debt on to some other pond life then 'full' and 'final' have taken on new meanings.

Just one question - if they cant enforce, sitting it out is an option. They dont have anything that would get an enforcement order - the fact they are offering you 30% in f&f is about as clear a signal as that as you will get. This is a decision only you could take - but it is an option. Another one might be to offer them 10%, but only if they clean up your credit file.

[IdaInFife]

agree with SFU

 

thank them for their letter accepting your settlement offer and advise them this offer is being made on the acceptance that they are accepting this as a full and final offer and they they or any other company will not be seeking any payment for the remainder of the balance and that it is clearly marked as settled or that all default markers are removed from your credit file (which may be a bit harder to obtain).

[IdaInFife]

base it on letter j

 

http://www.consumeractiongroup.co.uk/forum/content.php?590-Creditors-and-DCAs-Letter-Templates-Budget-Planner

[SRR1972]

Hi

 

This is a werid one - Just checked my credit fill and some how my M&S account is no longer there ? The file is marked a default has been removed - issue is I haven't done anything ?

 

Just been sent a letter from a DCA about the account and was about to send the "show me the CCA please" letter but certainly haven't cleared anything - should I worry ??

 

S

[seriously fed up]

I would wait and see what happens next. There are many worse things that can happen to you besides the removal of a default from your record. I would wait and see what happens next. Hopefully nothing. If it does start up again (and this thread has been quiet for nearly 18 months now) then you know what to do - show us the goods. If they are going to press on you wont have long to wait, but removing the default and setting a DCA on you does seem a bit contradictory.

[UnmoderatetheNet]

I'm not really on here much to my shame and not sure if this is connected, but most of my DCA friends have gone to ground with other debts but the M&S debt has been passed round some many DCA's I'm losing count. I'm getting on average a letter a week, from the usual suspects. Has something happened at M&S HQ that I don't know about?