Cougar Financial and Capital One - DEBT PASSED TO a dca urgent help please

inamess_man

have am a regular on the dmp thread which is useful to anybody

however i am really worried as my capitalone debt has been passed to cougar solutions, they have rang me ten times today i have returned the call tried to explain i was on a self managed dmp and they were very aggressive and told me topay the whole balance now (not an option!) ioffered to pay the same amount i was paying with my dmp

im hoping somebody has had dealings with cougar on here and could help

thanks a lot in advance

geoffky

stay firm with them..blood can not be drawn from a stone and if they did take you to court the judge would order them what you have offered if what you have is reasonable...keep your cool and tell them you will only deal with them in writing..ten times a day is harassment..send them the stop it letter from off here..good luck.. i am sure someone who knows the way to deal with these will post shortly..

[Deleted User]

Sorry, I am not of much help, but there are letters on here that you can send to them asking them to stop them harassing you, and ask them to only communicate with you in writting

i-CONICA

Does anyone have a link to these "stop" letters? I couldn't find them by searching...

Thanks.

Just_Plain_Jane

Try this: http://forums.moneysavingexpert.com/showpost.php?p=11571485&postcount=4

BigCraigJohn

Also when was the card opened?

inamess_man

thanks for all help

i am communicating with all my other creditors by writing with little problems i prefer it because i have a record of everything said

will try them one more time if not wait for the inevitable letter

inamess_man

hi big craig

not to sure was opened online originally couldnt say for sure

Hannah_10

They are all horrible on the phone, it's why it's best to never talk to them on the phone. Might be worth reading this? https://forums.moneysavingexpert.com/discussion/2719675

inamess_man

thanks for ur reply hannha

i generally deal via letter but thanks for the link

does anybody have a rough outline of a reasonable figure to offer a dca for full and final settlement?

thanks

inamess_man

thansk for any help guys