new to this, put in a claim to Capital one for an old account that i had back in 2004 and a had a letter back making me an offer that wasn't too bad to be honest But this is what they said
'now that we have sold your account to Cabot,we don't report anything to the credit reference agencies ,as Cabot own it,its there responsibility to report on this debt,and you will need to agree repayments with them for the remainder of you balance.'
This has been paid off for some time so surly the money i have requested they pay back should come to me ... so I'm looking for advice on what i should do next should i continue and send them letter 2 explaining that the DCA have been paid off and request that they send me refunded money.
they have reduced the default amount applied to £12
and then say that they appreciate i had incurred previous defaults at higher than £20
(All the debt on the account were there charges)
anyone that can give me any advice on this would really help i would Imagen there are other people that have had this happen to them and have managed to get it sorted
'now that we have sold your account to Cabot,we don't report anything to the credit reference agencies ,as Cabot own it,its there responsibility to report on this debt,and you will need to agree repayments with them for the remainder of you balance.'
This has been paid off for some time so surly the money i have requested they pay back should come to me ... so I'm looking for advice on what i should do next should i continue and send them letter 2 explaining that the DCA have been paid off and request that they send me refunded money.
they have reduced the default amount applied to £12
and then say that they appreciate i had incurred previous defaults at higher than £20
(All the debt on the account were there charges)
anyone that can give me any advice on this would really help i would Imagen there are other people that have had this happen to them and have managed to get it sorted
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