Probably run of the mill?

[JGrey]

I've been planning to settle the three defaults I've got on my credit report. They are all essentially fees that racked up when I was out of the country or otherwise disposed and they're all a few years old. One is Santander, the other is T-Mobile and one says Cabot debt management (I don't even know what it was). I've since gotten notices but no other issues, it's mostly a future hassle prevention measure, I.e. The credit check at a realtor possibly failing.
So I've been intending to just send them final and full settlement letters and go from there.
My question is, and I apologize if it's been asked many times but I couldn't find it...is what addresses do I post the letters to?
thank you for any help given and apologies if the thread is in the wrong section.

[charitynjw]

Re: Probably run of the mill?

Hi JGrey

How old is how old?
If they are approaching 6 years they will drop off all your records anyway.

[JGrey]

Re: Probably run of the mill?

The largest in 2012 and other two in 2014...so maybe leave the 2012 to time out but try to settle the two from 2014?

[charitynjw]

Re: Probably run of the mill?

Just checking.....is this for the UK? (I note that you use the word 'realtor').

[JGrey]

Re: Probably run of the mill?

Nice catch. It is for UK but I'm American raised.

[charitynjw]

Re: Probably run of the mill?

The Santander & T-Mobile ones - are they still with the original creditors or have they been assigned? (Sold on).

[JGrey]

Re: Probably run of the mill?

They're listed as under Santander and T-Mobile with monthly updates on my credit report so I assume so. If Cabot is a collection agency and not the original sender, then they must be since they haven't changed like that one has. I'm 99% sure Santander is because I get statements of balance owed from them occasionally.

[JGrey]

Re: Probably run of the mill?

Bump, in case anybody knows the address I should mail a final payment offer to Santander and T-Mobile

[charitynjw]

Re: Probably run of the mill?

Cabot, in their various guises, tend to be debt purchasers nowadays, buying large portfolios of non-performing debts at pence in the pound. (Cents on the dollar).

[JGrey]

Re: Probably run of the mill?

Ah then that explains that one but that's due to expire. The other two I figure would be worth attempting a final payment offer but there's no clear info on how to settle them.

[charitynjw]

Re: Probably run of the mill?

EE Ltd (T-mobile)

Registration Number: Z7510687Date Registered: 25 February 2003 Registration Expires: 24 February 2018
Data Controller: EE LIMITED
Address:

TRIDENT PLACE
MOSQUITO WAY
HATFIELD
HERTFORDSHIRE
AL10 9BW

Santander - depends on what the account is for.
If bank account/overdraft/credit card

2 Triton Square

Regents Place
London
NW1 3AN

SAR them for all data held.
http://legalbeagles.info/library/gui...ccess-request/

[JGrey]

Re: Probably run of the mill?

You're the man. I appreciate that, that makes it very simple to move forward. Thank you.

[Debt Camel]

Re: Probably run of the mill?

Paying the debts is a good idea as it will stop them ending up in court. It won't actually improve your credit rating.