A bit more paid off / Hassle

Hobsch

Hi
Just posting as it always feels better putting things down in writing.

One of my creditors was O2 which was for £76.66 originally. Moorcroft debt collection were dealing with this and with Payplan they received £1.10 per month. I paid them some extra to try to clear this and got it to £26.66 in August when I offered a full payment to clear it and £22 was accepted. Not fantastic but all helps so paid by cheque. Today I got a letter dated 18th August saying the cheque I sent would not clear and to be fair I had been so busy with work I didnt even check in August on the cheque. As I had not heard anything I thought it was paid.

Anyway, good old Royal Mail only just delivering this letter. Due to some ebaying and Amazon I received an extra £30 odd this week so I was going to treat myself but thought I would pay this off. Rang Moorcroft and they said as this had not been paid since August they had given it back to O2. Rang O2 and they said I owed £76.66. Explained the situation and they said it was definitely £76.66 owed.

In the end I paid £22 which is what I feel I owe. I take it O2 cannot ask for the whole amount when I have been paying Moorcroft? I have kept letters and receipts from Moorcroft so have this in case. Now its paid (I hope fully) will O2 update my credit file to show this?

Sorry for going on. Just when you think something is a simple task you get hassle.

moozie_2

I think you should right to O2 with copies of the receipts of what you paid Moorcroft. Make sure every cheque etc has cleared.

Unless O2 think you've cleared the debt, I don't think they'll be updating your credit file. I am sorry, it's not over yet it seems.

It's such a shame when things get muddled up like that but you can get it sorted.

beanielou

Sounds like you owe the £26 owed after payments made but before the F&F settlement was accepted.