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- Date commenced 2010 ??
- Approx balance £4226
- Date of last full payment: APRIL 2015
- NOT PAID ANYTHING SINCE APR 2015
- DEFAULT NOTICE RECEIVED FROM CAP ONE 21.7.15
- DCA - FREDRICKSON (they confirm debt has not been purchased)
History:
April 2015 - last payment made
7.7.15 - wrote to Cap One explaining financial difficulties, requested 30 days cease of action / interest freeze
21.7.15 - received default notice from Cap One
24.7.15 - received notification from Cap One of Credit Solutions being appointed to act on their behlaf
30.7.15 - received introductory letter from Credit Solutions
9.9.15 - wrote to Cap One offering them £1 per month, consistent with other creditors
16.9.16 - received letter from Cap One acknowleging letter but stating account has been passed to Cougar Debt Collections Agency.
22.10.15 - No contact ever recievd from Cougar so wrote to Credit Solutions offering £1 per month - letter never answered
12.11.15 - First letter from Fredricksons received
2.12.15 - letter to Freds - requesting that they remove phone numbers and deal in writing, provide original contract and accounting, confirm any assignment
7.12.15 - 2nd letter from Freds - essentially repeating content of first, no acknowledgement of letter of 2.12.15
9.12.15 - letter to FReds - referring them to letter of 2.12.15
10.12.15 - letter from Freds - acknowledging letter of 2.12.15, confirming debt not assigned, confirming removal of phone nos and all future comms will be in writing. Advises that my letter has been passed to Cap One to respond directly regarding the points raised in letter of 2.12.15 and that account is on hold until further advised by Cap One..
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