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capital one MT horrid call


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I had a cap one payday loan in 2010, came to an agreement in 2010 paid it off last payment last year bringing balance to nil. They tried some months later to ask me for £50 but i sent them the payment arangement id kept on email and told them id paid the arangement in full and that was it heard nothing. Thank god i kept the emails.

 

Today i got a letter from MT and spoke to some muppet to explain i owe nothing and he was rude and to be fair i put the phone down.

 

They threaten bankruptcy, CCJ la la la but i owe them nothing. They state they are showing i owe a debt on my credit report ? how wrong is that ?

 

How do i handle these cowboys ? :-x

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