Really need help - Cap one & Fredrickson

[Going forward]

Received a letter from Fredrickson stating that they will not be dealing with my account any longer and go back to Cap1 for payment arrangements.....very weird.

 

Does anyone know if this is normal procedure?

[BRIGADIER2JCS]

Yes it happens often Cap 1 have recalled the debt, and may be preparing to sell it on to a debt purchaser.

[Going forward]

So Cap1 have passed my details onto Credit Solutions.

 

I have offered them £2 but they have declined it and they want detailed income and expenditure information, with copies of my wage slips, receipts and statements.

 

Shall I stick to my guns? Do I have to send them this information. They do not even own the debt....

[BRIGADIER2JCS]

NO you do not need to send these items they have no right to see personal financial documents.

REPLY, I have offered all that I can reasonably afford to pay and that is £2.00 pcm, any further action you propose will not achieve a different result.

Send the 1st payment with the letter.

[Going forward]

NO you do not need to send these items they have no right to see personal financial documents.

REPLY, I have offered all that I can reasonably afford to pay and that is £2.00 pcm, any further action you propose will not achieve a different result.

Send the 1st payment with the letter.

 

Thank you so much Brigadier:-D

[nuclearshark]

Thank you so much Brigadier:-D

 

Agree with Brigadier

 

Couldn't have worded it better myself

 

Let us know how you get on.

[BRIGADIER2JCS]

Sorry not to reply earlier I have had no landline / internet since 2100hs yesterday.

 

 

Never believe you have to discuss your personal finances with a DCA they are not entitled to this data, you must/can assess what (if anything) you can afford to pay,

get the DCAs bank details and if YOU WANT to set up a standing order for the£1-2 pcm don't be bullied!!

[Going forward]

I just need a little advice - credit solutions have written to me and said they might consider my offer if I fill out an income and expenditure form and any doctors information that I have.

 

They definitely are not getting any medical info, but should I send a I & E form?

[dx100uk]

pers until you know who owns this debt

i'd be doing nothing till you get a CCA request off to CSL.

 

dx

[Going forward]

pers until you know who owns this debt

i'd be doing nothing till you get a CCA request off to CSL.

 

dx

 

 

capital one still own the debt, so I shall carry on paying £2 to credit solution and send them nothing.

[dx100uk]

if cap1 own the debt

 

you pay the OC as you have been already

 

ignore silly DCA letters.

 

i'd still be sending a CCA request regardless.

 

dx