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

inamess_man

thank you very much kit

i have very luckily received a small amount of money today from a family member which can go towards this.

i will try and read these oft guidelines now

inamess_man

thanks as well tixy sorry didnt see ur post

inamess_man

using the links tixy kindly provided

any idea of a good paragraph to use in the "explaining your situation" paragraph

thanks a lot

inamess_man

have managed to draft a letter off

hopefully will do the trick have gone in with an offer of 22.5% to start with

will report back here my progress

kit77

Sorry I spent ages trying to work out how to do links then I got caught up with the kids.

Glad someone posted you a link.

Fingers crossed they accept your offer, if not come back and hopefully we can help you.

inamess_man

Thanks kit

you are very helpful

letter sent recorded today

king100

Please note that the letter states we may we might and not we will.

Idle threats.

inamess_man

thanks king

another letter this morning (obviously havent received my offer letter)

slightly less threatening but mentioned if i dont settle with them they will sell the debt to a door to door collection agent

i inadvertnly answered there call yesterday and the guy was rude and aggresive i told him i would not answer anymore phone calls and will deal in writing only, he then hung up on me!

inamess_man

no phone calls today or yesterday

i presume a written reply will be here soon

inamess_man

right here is there reply

"the repayment offer outlined in your recent communication with us is unacceptable. It is not within the guidelines laid down by our client.

We would ask that you reconsider your situation and come back to us with an improved proposal."

Right i need help it how to phrase my next offer, obviously i can up it a touch but help appreciated as to how to put that correctly

thanks in advance