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    • CherryDarling
    • By CherryDarling 7th Dec 17, 6:47 PM
    • 2Posts
    • 0Thanks
    CherryDarling
    Kapama credit-playing naughty?
    • #1
    • 7th Dec 17, 6:47 PM
    Kapama credit-playing naughty? 7th Dec 17 at 6:47 PM
    Hi, first time poring so please bare with me! Long story short years ago had a few payday loans, credits cards etc and buried head in sand. Fast for ward to now and I'm paying all off at £5 a month (I'm a sahm, no benefits, hubby working but not earning a great deal). Had an email from Kapama a few weeks ago saying I'd defaulted as they hadn't received a payment since 21 august. I checked my bank and it showed that a payment had gone out on 18 September. I emailed them back with a screenshot of bank statement shoeing money goin out and asked them to advise on the situation. I heard nothing, I emailed again asking them to reply as I wanted to know what was going on and still nothing back. Why would they say I'd defaulted as they hadn't received money, when the money clearly went out to them. And why haven't they replied? Is it worth me calling them to find out what's going on?
Page 1
    • zx81
    • By zx81 7th Dec 17, 7:34 PM
    • 14,397 Posts
    • 15,194 Thanks
    zx81
    • #2
    • 7th Dec 17, 7:34 PM
    • #2
    • 7th Dec 17, 7:34 PM
    Call them. Only they can tell you.
    • jonesMUFCforever
    • By jonesMUFCforever 7th Dec 17, 10:12 PM
    • 24,255 Posts
    • 11,537 Thanks
    jonesMUFCforever
    • #3
    • 7th Dec 17, 10:12 PM
    • #3
    • 7th Dec 17, 10:12 PM
    Have payments for October and November gone out of your account?
    What goes around - comes around
    give lots and you will always receive lots
    • sourcrates
    • By sourcrates 7th Dec 17, 10:40 PM
    • 12,700 Posts
    • 12,042 Thanks
    sourcrates
    • #4
    • 7th Dec 17, 10:40 PM
    • #4
    • 7th Dec 17, 10:40 PM
    You need to be speaking to the debt collector, we can surmise until the cows come home, but only they can give you a definitive answer.
    I'm a Board Guide on the Debt-Free Wannabe, Credit File And Ratings, and
    Bankruptcy And Living With It, boards. "I volunteer to help get your forum questions answered and keep the forum running smoothly".
    Board guides are not moderators and don't read every post. If you spot an abusive or illegal post then please report it to forumteam@moneysavingexpert.com. Any views are mine and not the official line of MoneySavingExpert.com.

    For free debt advice, contact either : Stepchange, National Debtline, or, CAB.
    For Legal advice see : http://legalbeagles.info/
    • CherryDarling
    • By CherryDarling 7th Dec 17, 11:27 PM
    • 2 Posts
    • 0 Thanks
    CherryDarling
    • #5
    • 7th Dec 17, 11:27 PM
    • #5
    • 7th Dec 17, 11:27 PM
    Each monthly payment has gone out as I've got a standing order. I just don't understand why they wouldn't reply after I'd sent them a screenshot of my bank statement, they were happy enough to reply to previous emails about the money going out! I guess I shall have to call them tomorrow. To be honest I thought it may have been some kind of ploy to get me to pay full balance off, as that's what it said on the email.
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