Surprise surprise

[winner12]

Hi all
After having a Debt with Cap 1 bounced around various DCA its back with Cap 1
I asked them to send a payment book after having a few payments returned by them
and problems setting up a standing order not heard anything from them in 2 months
seems they dont want my money again
What am I supposed to do its so frustrating

[winner12]

Re: Surprise surprise

Hi all
After having a Debt with Cap 1 bounced around various DCA its back with Cap 1
I asked them to send a payment book after having a few payments returned by them
and problems setting up a standing order not heard anything from them in 2 months
seems they dont want my money again
What am I supposed to do its so frustrating

Hi all
Been going over paperwork on this account which reads like the LORD OF THE RINGS TRILOGY
And I have a f&f offer from a couple of DCA for half of what CAP 1 say I owe whats the best way
forward with this one
Should I just stop wittering and not pay them at all seems to have worked so far

[labman]

Re: Surprise surprise

The main thing is to cover your own back. I'd write to them asking why they are refusing your payments - make sure you keep statements showing the refusals. Send with at minimum Proof of Postage.

I'd do this for a couple of payments, and then write saying you are putting your token payment to one side, and please contact you when they are willing to accept it.

At least that way, if it goes to court, you've proof that you have tried to pay, and you have saved the money that was intended for them. It seems to be becoming quite a common trick, even where the creditor has agreed a DMP.

[winner12]

Re: Surprise surprise

Thanks Labman
Would likely go to court though after all this time I know the CCA is iffy been down that route already
Its a niggle with me though why should I do the right thing when I have been treated so bad would that work in my defence should it get to court
or am i been a right muppet