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hi people new here so please be gentle !!!!
a few years ago I did the naughty and ran up a credit card and then simply moved. I know its my debt fair enough.. card had 250 limit and at time I was out of work and going through a major depression... (lost my brother)
anyways a few months back (21-10) to be precise I find a letter from Mackenzie on my doorstep relating to this debt with Citibank and as I knew I had ran the debt I discussed it with them and they agreed if I paid half the outstanding amount (441) they would accept that and CLOSE the account.
I didn't have the money but upped my overdraft and cleared it fearful of getting grief recorded against me on the credit reference agencies as for a long time ive been a good boy, all things paid on time we have no cards of any description and just a single bank loan..
got home from work today and on the doormat was another letter...
"BROKEN ARRANGEMENT - DEFAULT FIELD VISIT"
Do I have a leg to stand on as the agreement with Mackenzie was done verbally over the phone and to be honest I cant even remember who I spoke to.
Im worried sick by this, I have just got through christmas, my partner has been made redundant through the business she works for going under (2 months wages owed) and there is no way on gods earth I can find another £441. And seeing as I had agreement that I had closed the account why should I anyways???
all the best
Nick
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I will add. AT NO POINT was any form of arrangement made to make any further payments as as far as I was concerned my settlement deal had been done and this was all done and dusted.
a few years ago I did the naughty and ran up a credit card and then simply moved. I know its my debt fair enough.. card had 250 limit and at time I was out of work and going through a major depression... (lost my brother)
anyways a few months back (21-10) to be precise I find a letter from Mackenzie on my doorstep relating to this debt with Citibank and as I knew I had ran the debt I discussed it with them and they agreed if I paid half the outstanding amount (441) they would accept that and CLOSE the account.
I didn't have the money but upped my overdraft and cleared it fearful of getting grief recorded against me on the credit reference agencies as for a long time ive been a good boy, all things paid on time we have no cards of any description and just a single bank loan..
got home from work today and on the doormat was another letter...
"BROKEN ARRANGEMENT - DEFAULT FIELD VISIT"
Do I have a leg to stand on as the agreement with Mackenzie was done verbally over the phone and to be honest I cant even remember who I spoke to.
Im worried sick by this, I have just got through christmas, my partner has been made redundant through the business she works for going under (2 months wages owed) and there is no way on gods earth I can find another £441. And seeing as I had agreement that I had closed the account why should I anyways???
all the best
Nick
------------------------------- merged -------------------------------
I will add. AT NO POINT was any form of arrangement made to make any further payments as as far as I was concerned my settlement deal had been done and this was all done and dusted.
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