I defaulted on a credit card, need advice on what to do next.....

[Alacoque]

I'm trying to post an update but for some reason, the post is coming up blank.....

[echat11]

I'm trying to post an update but for some reason, the post is coming up blank.....

EXC Can you please approve the post.

[EXC]

EXC Can you please approve the post.

Done.

[echat11]

Done.

Thanks, that was super quick!!

[echat11]

They still haven't complied with your CCA request, no doubt further discounts will be offered, the big one in the January Sales.

[Alacoque]

Haha!

Thank you ECHAT11 and EXC for sorting our my posting, much obliged.....

[Alacoque]

They still haven't complied with your CCA request, no doubt further discounts will be offered, the big one in the January Sales.

You're so right....just received a 'limited time offer' from the Third DCA, cutting the debt in half if I pay right away.

And still no reply from the Creditor to my CCA request....

[echat11]

You're so right....just received a 'limited time offer' from the Third DCA, cutting the debt in half if I pay right away.

And still no reply from the Creditor to my CCA request....

See what else they offer in the future.

[Alacoque]

After a pause in the flurry of almost half price ‘offers’ from the Third DCA, it seems the account has been passed back to the Creditor.

Or should I say to what seems to be a variation on a DCA - a foreign call centre that the Creditor has outsourced the collection of the debt to.

Only phone messages, no letters, so far. The callers are very aggressive and fast talking, you have to listen to the message about five times to get the info down (almost as though they don’t expect anyone to actually return the call). They claim to be calling from the Creditor though I researched the phone number they left and, by all accounts, it belongs to some kind of outsourced debt collection arm of the Creditor.

And no, no reply to my CCA request.

I sense things may start to get unpleasant…..

[echat11]

After a pause in the flurry of almost half price ‘offers’ from the Third DCA, it seems the account has been passed back to the Creditor.

Or should I say to what seems to be a variation on a DCA - a foreign call centre that the Creditor has outsourced the collection of the debt to.

Only phone messages, no letters, so far. The callers are very aggressive and fast talking, you have to listen to the message about five times to get the info down (almost as though they don’t expect anyone to actually return the call). They claim to be calling from the Creditor though I researched the phone number they left and, by all accounts, it belongs to some kind of outsourced debt collection arm of the Creditor.

And no, no reply to my CCA request.

I sense things may start to get unpleasant…..

Update when you get anything meaningful.

The overseas call centers aren't professional, if you can't comprehend the message, what's the point. Imagine you were hard of hearing.