Are creditors allowed to ask this question

Runnybabbit

Hi,

This afternoon I got one of my creditors to accept a Full and Final Settlement after about 6 months or wrangling and re-wording paperwork.:D
Thanks to everyone who helped me through this with your wonderful words of wisdom and expert knowledge.

However later on in the letter they asked this question

"please may we enquire as to your intentions regarding your credit card account which we underwrite which is currently up to date and receiving regular payments. We notice that you have not included this on your Income and Expenditure account"

Do I have to answer this? as

1. It's up to date with no arrears
and 2. (it's paid by a family member who is helping me out during the bad times) but I do not receive the money as Income as I can't be trusted !!!

The card was destroyed a long time ago so no spending at all on it.

Thanks in advance
Babbit xx

devonsdreamer

I guess if it was me I would tell them what you have written- it is not on your form cause you dont deal with it- not sure they have to know but I guess they are implying that there may be other things they dont know- not sure why they need to if they have accepted you F&F

I would be cheeky and ask if they wish to offer you a great discount on it

Runnybabbit

devonsdreamer wrote: »

I guess if it was me I would tell them what you have written- it is not on your form cause you dont deal with it- not sure they have to know but I guess they are implying that there may be other things they dont know- not sure why they need to if they have accepted you F&F

I would be cheeky and ask if they wish to offer you a great discount on it

lol, alas there is no more money left in the pot to be offered!.

devonsdreamer

Shame- but I know that feeling- hopefully someone else may have a more informed answer for you

Runnybabbit

devonsdreamer wrote: »

Shame- but I know that feeling- hopefully someone else may have a more informed answer for you

me too - just don't know whether this is a nosy question on their part, or whether they think I'm hiding something (which I'm not).

Just don't want to answer it if I don't have to.

devonsdreamer

I would guess it is a mix of both. If it was me I think I would settle the F&F and ignore the inquiry and see if they contact you again then if they do I would tell them just what you have written- all they need to know is it is being paid-

Runnybabbit

devonsdreamer wrote: »

I would guess it is a mix of both. If it was me I think I would settle the F&F and ignore the inquiry and see if they contact you again then if they do I would tell them just what you have written- all they need to know is it is being paid-

My thoughts entirely. I just have to wait for the paperwork to arrive before I settle the account, because all they've said so far is that they will agree to my terms (ie, F&F only) without this confirmation I can't do anything yet - unfortunately!.

I'm just trying at the mo to pre-empt any further harassment from them, bearing in mind I have had it in the shed load - grrrrrr.

Thanks for your thoughts, they are appreciated. x