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Demand letter from Park Resorts
GazNicki
Posts: 145 Forumite
Hi all. Hoping this is the correct forum for this question.
I have received a letter from Park Resorts (Holiday Park Company) asking for £2121.44 to be paid within 10 days unless the balance will be passed on to a Debt Agency. I wish I had that kind of money to clear the balance, but I don't.
My question is two-fold.
1. When I tried to set up an arrangement with Park Resorts in the past, they told me they don't do that. Then I was an owner with a van on one of their resorts. Should I try again direct with Park Resorts to work out a payment arrangement with them or wait until it goes to the Debt Agency instead?
2. Will this 'debt' go on my credit report. As it stands with PR, it isn't on the report and shouldn't be as it isn't reliant on credit searches. But if the account is passed on to their DA, will that then get listed on my credit report?
Advice on this matter is much appreciated.
I have received a letter from Park Resorts (Holiday Park Company) asking for £2121.44 to be paid within 10 days unless the balance will be passed on to a Debt Agency. I wish I had that kind of money to clear the balance, but I don't.
My question is two-fold.
1. When I tried to set up an arrangement with Park Resorts in the past, they told me they don't do that. Then I was an owner with a van on one of their resorts. Should I try again direct with Park Resorts to work out a payment arrangement with them or wait until it goes to the Debt Agency instead?
2. Will this 'debt' go on my credit report. As it stands with PR, it isn't on the report and shouldn't be as it isn't reliant on credit searches. But if the account is passed on to their DA, will that then get listed on my credit report?
Advice on this matter is much appreciated.
GETTING BACK ON TRACK (SLOWLY)
Aqua Card: [STRIKE]-£1122.43[/STRIKE] £0 (DFD 12/04/17) | Barclaycard (0%): -£1898.85 (DFD 15/11/2020) | Blackhorse HP: [STRIKE]-£6997.00[/STRIKE] £0 (DFD 12/04/17) | Very.co.uk: [STRIKE]-£789.69[/STRIKE] £0 (DFD 12/04/17) | Zopa Loan (16.9%): £3135.00 (DFD 19/10/18) | Natwest Loan: £5584.00 (DFD 01/09/2020)
Debt: -£17628.12 @ 01/03/17 --> -£10617.85 @ 12/04/17
Aqua Card: [STRIKE]-£1122.43[/STRIKE] £0 (DFD 12/04/17) | Barclaycard (0%): -£1898.85 (DFD 15/11/2020) | Blackhorse HP: [STRIKE]-£6997.00[/STRIKE] £0 (DFD 12/04/17) | Very.co.uk: [STRIKE]-£789.69[/STRIKE] £0 (DFD 12/04/17) | Zopa Loan (16.9%): £3135.00 (DFD 19/10/18) | Natwest Loan: £5584.00 (DFD 01/09/2020)
Debt: -£17628.12 @ 01/03/17 --> -£10617.85 @ 12/04/17
0
Comments
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Hi,
Depends what the debt was for, if it was for an agreement covered by the consumer credit act, then it will appear on your file.
If it was for something else, it won't.
Dealing with the DCA will be more productive than park resorts.I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter0 -
It is for site fees, including any 'extras' the park liked to throw in. Like the £52.50 disconnection fee they charged me to disconnect the caravan I already had disconnected for them.
I don't know if this would come under the CCA. How could I tell?
I will probably let the invoice bounce to the DCA then if they will be more productive, rather than waste my time with PR.GETTING BACK ON TRACK (SLOWLY)
Aqua Card: [STRIKE]-£1122.43[/STRIKE] £0 (DFD 12/04/17) | Barclaycard (0%): -£1898.85 (DFD 15/11/2020) | Blackhorse HP: [STRIKE]-£6997.00[/STRIKE] £0 (DFD 12/04/17) | Very.co.uk: [STRIKE]-£789.69[/STRIKE] £0 (DFD 12/04/17) | Zopa Loan (16.9%): £3135.00 (DFD 19/10/18) | Natwest Loan: £5584.00 (DFD 01/09/2020)
Debt: -£17628.12 @ 01/03/17 --> -£10617.85 @ 12/04/170 -
No it won't show on your credit file.
You should be able to negoatiate a good discount with the DCA, that's if they buy the debt, if there just acting for park, wait until they sell it.I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter0 -
Thanks. I'll keep you updated through this thread.GETTING BACK ON TRACK (SLOWLY)
Aqua Card: [STRIKE]-£1122.43[/STRIKE] £0 (DFD 12/04/17) | Barclaycard (0%): -£1898.85 (DFD 15/11/2020) | Blackhorse HP: [STRIKE]-£6997.00[/STRIKE] £0 (DFD 12/04/17) | Very.co.uk: [STRIKE]-£789.69[/STRIKE] £0 (DFD 12/04/17) | Zopa Loan (16.9%): £3135.00 (DFD 19/10/18) | Natwest Loan: £5584.00 (DFD 01/09/2020)
Debt: -£17628.12 @ 01/03/17 --> -£10617.85 @ 12/04/170
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