Hi I am hoping for some advice
I had a credit card with HSBC some time ago which was defaulted in 2010 ( i think) approx £7k
I ignored all chasing and it finally got passed to marlin. I did not engage with Marlin at all until one day they sent me a letter offer settlement at £1500. I immediately paid this and confirmed i had accepted this offer, however i tried to pay over the phone first and they said something about an error so i hung up and paid online. I cannot find any of this paperwork now and even my emails are long gone from then. I think this was 2014.
All was quiet for about 3 years and i thought it had gone away. In the last few months i have been getting letters from Cabot, who i assume have now bought the debt. I have been ignoring these up till now. They have also been calling but i have them blocked.
Last week i received a letter saying that they would be referring me to Mortimer Clarke and last night i had a voice mail from Mortimer Clarke
Clearly this isn't going to go away so am after advice on how to deal with it now. I don't want to end up in court!
Balance is about £5k now. I have £2k i could offer as a full and final or i could set up a payment plan.
However, i do feel they gave me an offer i took before but no longer have any paperwork for it.
Any advice would be appreciated.
I had a credit card with HSBC some time ago which was defaulted in 2010 ( i think) approx £7k
I ignored all chasing and it finally got passed to marlin. I did not engage with Marlin at all until one day they sent me a letter offer settlement at £1500. I immediately paid this and confirmed i had accepted this offer, however i tried to pay over the phone first and they said something about an error so i hung up and paid online. I cannot find any of this paperwork now and even my emails are long gone from then. I think this was 2014.
All was quiet for about 3 years and i thought it had gone away. In the last few months i have been getting letters from Cabot, who i assume have now bought the debt. I have been ignoring these up till now. They have also been calling but i have them blocked.
Last week i received a letter saying that they would be referring me to Mortimer Clarke and last night i had a voice mail from Mortimer Clarke
Clearly this isn't going to go away so am after advice on how to deal with it now. I don't want to end up in court!
Balance is about £5k now. I have £2k i could offer as a full and final or i could set up a payment plan.
However, i do feel they gave me an offer i took before but no longer have any paperwork for it.
Any advice would be appreciated.
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