reduced settlement offers - to pay or not to pay?

[preggers]

Im a bit confused so apologies if this all come across as vague!!

 

My husband has two DCAs chasing him at the mo - Mackenzie Hall and Capquest for 2 different debts - totalling about £500

 

They have both put defaults on his credit file

we intend to get a mortgage next yr and would of course prefer these not to be on there

 

Should I pay them if I firstly get confirmation that the defaults will be removed

should I leave them as - according to other threads - they are crooks and should be ignored?

 

Capquest couldnt give me a copy of the account as they said it was a service account (for a phone) and therefore not covered under the CCA - I dont know how to follow this up?

 

Mackenzie Hall have offered a reduced settlement which would be acceptable i thought if it removed the default?

 

confused and dont know what to do for the best so if anyone has any advice I would really appreciate it

Thanks x

[fkofilee]

Capquest are actually incorrect, they are covered by the CCA.

As for removal of the Defaults.... i would suggest you speak to them.... check your partners credit file and make sure that those defaults are actually on there.

[dx100uk]

if would suspect that neither of them put the defaults on

but 'brought' the accounts, so thus their name now shows against the account.

 

strange that mucky hall are offering a discount on a debt that shows on the cra.

typically this is a spoofing tactic on SB'ed debts that are dead. - what type of debt was it

& when was YOUR last financial transaction. & who was the OC.

 

as for the mobile phone debt, again, the same please.

 

i would not at this stage F&F.

 

dx

[fkofilee]

if would suspect that neither of them put the defaults on

but 'brought' the accounts, so thus their name now shows against the account.

 

strange that mucky hall are offering a discount on a debt that shows on the cra.

typically this is a spoofing tactic on SB'ed debts that are dead. - what type of debt was it

& when was YOUR last financial transaction. & who was the OC.

 

as for the mobile phone debt, again, the same please.

 

i would not at this stage F&F.

 

dx

 

Apologies, i forgot to ask how old the debts were/.... so please tell us

[fkofilee]

meh double post

[BankFodder]

I'm sorry to disappoint you, but the chances of you getting these default removed as part of some repayment bargain are – Zero.

 

These people would rather cut off their own left leg than remove a default.

 

If you don't settle the debts then the chances are that they will be sold on to some other collectors and new defaults will be applied to your file. It is very unfair – but I'm afraid that they are out of control. For sums as small as the ones you are talking about above, the best thing to do is to try and get a final reduced settlement – making sure that you have it in writing that it is in full satisfaction – and then paying it off. You will then have to work through the remainder of the default period. Gloomy news – but this is probably the truth of it