letter without prejudice

[BWG]

Hi to all
My wife would like to make monthly payments to Moorcroft for her credit card debt of £1.00 , this is all we can afford at the moment. She is unwilling to go down the route I have used on my credit card debts because she does not want to go to court as she as no defence apart from hardship for defaulting. Have you got a template letter we can use offering to pay but not admitting the debt. hope this makes sense

[warwick65]

Re: letter without prejudice

Hi BWG

Has your wife sent CCA requests off to her creditors

When were the cards opened

Do you still need the template?

[nemesis45]

Re: letter without prejudice

Good morning,

Which card provider was the original creditor?

Is Moorcroft acting on behalf of another company?

nem

[warwick65]

Re: letter without prejudice

Hi to all
My wife would like to make monthly payments to Moorcroft for her credit card debt of £1.00 , this is all we can afford at the moment. She is unwilling to go down the route I have used on my credit card debts because she does not want to go to court as she as no defence apart from hardship for defaulting. Have you got a template letter we can use offering to pay but not admitting the debt. hope this makes sense

Hi again BWG

Sorry I missed the part of your post about paying but not acknowledging the debt

Sorry but as far as I know that can not be done. Any payment made with the authority of the card holder is seen as acknowledgment of debt

I suppose in theory it may be possible for you to make payments without your wife's knowledge but I doubt that a Judge would accept that and of course if you were caught out it could have serious consequences for both you and your wife

[MIKE770]

Re: letter without prejudice

any acknowledgment of the debt is the nail in the coffin, by paying is one of them