Full and final settlement - can I still offer?

[renegadeimp]

More infobplease. You should always think hard about a debt owed to a dca. Very rarely they're ever enforceable

[renegadeimp]

I would.have sent a cca request. I've a very strong suspicion you're being cash cowed hard.

[renegadeimp]

Cash cowed means you are willingly giving them money for no reason.

Just because you morally owe it doesnt mean you legally do.

 

DCA's buy debts for 10p in the pound and then try and chase you for the full amount. T

hey rarely have the paperwork needed to enforce the debt and they do NOT care about law or regulation.

They will do anything to get money from you.

[renegadeimp]

If cabot have the account CCA them asap.

They dont chase enforceable accounts.

They are bottom feeders.

 

Which DCA do you pay for the barclaycard?

[renegadeimp]

Moorcroft dont buy debts. Pay barclay card direct . Not their pet sheep who try and add on charges.

[renegadeimp]

who was the letter from?

[renegadeimp]

Then cabot are ignoring their responsibilities. CCA cabot. If they try to ignore it or mislead you again, thats their issue. Not yours. They are obliged to fulfil your CCA request upon receipt. IF they cant, then they must inform you as such

[renegadeimp]

Yep. Then you get on with yourlife until they can provide a compliant agreement. You ignore everything from them and dont communicate with them unless theyre dumb enough to send a pap letter.

 

Then you still dont reply to them, and you come back here.