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I seriously need some help please regarding Capital One.
Earlier on in the year, I wrote to them saying I was unable to make any more repayments.
They then sent me an income and expenditure form, which I filled in and returned.
I also provided proof of income via a copy of my proof of benefit letter for Employment and Support Allowance.
They are marking my credit file "late repayment" every month for the past year.
I spoke to the manager yesterday who had confirmed verbally that they will not default on my account.
He then stated I needed a certified income and expenditure from the CAB or the Money Advice Service before they would agree to default the account.
I've never heard of such rubbish before!!
None of my other creditors have stated this so I am bemused by Cap One's reluctance to default.
Is there anything I can do!?
Going to the CAB or MAS seems a bit extreme!!
Earlier on in the year, I wrote to them saying I was unable to make any more repayments.
They then sent me an income and expenditure form, which I filled in and returned.
I also provided proof of income via a copy of my proof of benefit letter for Employment and Support Allowance.
They are marking my credit file "late repayment" every month for the past year.
I spoke to the manager yesterday who had confirmed verbally that they will not default on my account.
He then stated I needed a certified income and expenditure from the CAB or the Money Advice Service before they would agree to default the account.
I've never heard of such rubbish before!!
None of my other creditors have stated this so I am bemused by Cap One's reluctance to default.
Is there anything I can do!?
Going to the CAB or MAS seems a bit extreme!!
