Received a letter to pay credit card debt

marking_bad

This morning, from a defaulted credit card three years ago. It's on my credit file at experian. The letter is from roxburg hfo.

It's my debt, I remember it, but the problem is it's almost £300 more than what it says at experian. Is experian incorrect, where has the extra debt come from and do i have to pay it? Can i acrue interest on this debt at the debt collectors?

I am unemployed at the moment (not signing on though), I would be prepared to pay a little a month (around £10) until i get a job, but i have a feeling they will bully for more. What are my options here? Thanks.

euronorris

The extra money is probably interest and penalties that have been accumulated since you defaulted. This could be from the original lender, or from the DCA.

You should complete an SOA first. Be sure what you can afford, and then you can make them an offer. You should send in a copy of your SOA as proof of what you can afford.

Communicate only in writing. But don't sign the letters. If they badger you with calls, there is a template letter on here where you can request them to communicate with you only in writing.

And, if they ask for more money, tough. Just starting making the payments you can afford, on a set date, each and every month. You can't give them what you haven't got!