full and final to Provident

[lorna2012]

I have looked again at my Experian and I note that Provident have lodged a default against me in the last month for £485. That account has been dormant since 2010 (I actually forgot about ever dealing with them) so I have no idea why they have just sprung up with it.

 

I am in a position where I can offer them a F&F settlement of around 40%. Do I just write to them with this - or write to their pleb "lawyers", as I've seen from other threads? I do owe the money and just want it settled ASAP.

[dpick]

Hi if you write to anyone with an F&F make sure that you get it in writing that this is full and final that they will not pass the remainder of the debt on to another gutter scraper.

 

dpick

[lorna2012]

I've been doing some digging and again Provident told me to deal with Wescot (I believe... I have the paperwork upstairs, it is a DCA). The DCA offered me 50% to F&F.

 

I have written to both the DCA and Provident offering this as a F&F. Do I wait for Provident to contact me?

[lorna2012]

Is there an email address for Provident? Google doesn't bring me anything.

 

I have been trying to thrash out a f&f with Provident/wescot - the former aren't replying to me, the latter said they would f&f at 50% but I haven't had that in writing. I've sent recorded delivery letters already, waited a couple of weeks and nothing.

 

I don't even know if I should be paying Wescot as it is still Provident marking the default on my Experian. I note that some people say do not pay DCAs, so now I am a bit confused.

 

All I want is my bloody CRA marked as Satisfied before the end of Sept. The money is sat there but no-one seems to want to take it *head desk*

 

I found that sending daily emails to other creditors seemed to make them get back to me, so I'm now thinking it would work to harass the ones that are dragging their feet into actually replying!

[ims21]

Two threads merged...please keep to one thread for this issue