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Hi all,
Not been on here for a while but have a query as follows:
I've previously posted on here re my debts, which total around £45k. Since then all of my creditors have frozen interest and have been accepting nominal payments of between £5 and £15 monthly depending on the amount owed. As an aside a couple of recently have sent me reduced settlements offers of 66% and 50% - anyone know why they'd do so - not that I can meet the offers.
However, my query is this: Regal Credit on behalf of RBS/NatWest recently wrote to me saying I'd missed a payment to them and therefore demanding payment in full of almost 10k. They're well aware I can't do that from my previous correspondence with them and their agreement to accept nominal payments. I wrote back saying there was no missed payment - there wasn't according to my bank - and asking them to confirm whether they agreed that bank holiday weekend may have caused a payment delay. Instead they have replied saying I must pay in full as I have made no attempt to contact them - obviously untrue - and that they are sending an agent round to discuss it. Meanwhile their own second letter confirms payment was received by them as the debt figure from their initial letter is reduced in the second letter by the monthly amount I pay them. Any advice - is this a load of hot air? Thanks.
Not been on here for a while but have a query as follows:
I've previously posted on here re my debts, which total around £45k. Since then all of my creditors have frozen interest and have been accepting nominal payments of between £5 and £15 monthly depending on the amount owed. As an aside a couple of recently have sent me reduced settlements offers of 66% and 50% - anyone know why they'd do so - not that I can meet the offers.
However, my query is this: Regal Credit on behalf of RBS/NatWest recently wrote to me saying I'd missed a payment to them and therefore demanding payment in full of almost 10k. They're well aware I can't do that from my previous correspondence with them and their agreement to accept nominal payments. I wrote back saying there was no missed payment - there wasn't according to my bank - and asking them to confirm whether they agreed that bank holiday weekend may have caused a payment delay. Instead they have replied saying I must pay in full as I have made no attempt to contact them - obviously untrue - and that they are sending an agent round to discuss it. Meanwhile their own second letter confirms payment was received by them as the debt figure from their initial letter is reduced in the second letter by the monthly amount I pay them. Any advice - is this a load of hot air? Thanks.
