Capital One Default

openforever

Okay, great. Thanks for all of the help.

Should I ring them to let them know that I'll be sending a letter? Don't want them to think that I'm ignoring this. Also: how do I arrange a payment plan in writing? I was planning to do at least this stage over the phone.

Thanks!

Graham2704

I would say don't do ANYTHING over the phone always do things in writing and send it recorded that way you have a paper trail and keep the receipt. look on the legal beagle site full of Important!! advice and on how to deal with default notices

fatbelly

openforever wrote: »

Also: how do I arrange a payment plan in writing? I was planning to do at least this stage over the phone.

Thanks!

See my link in post#3

happy_bunny_2

As fatbelly says, never ring them. Letter takes a few days and they rely on the fact they scared you and you will ring to arrange and they will try and bully you to pay more etc.

TakingControl

Hi
Having dealt with Cougar myself, do everything in writing, absolutely nothing via phone and DO NOT sign any of your letters, sign them electronically or like I did, not at all.

How old is your credit card account? Cougar have a habbit of messing things up (if you search for my topics, you can see I had a little fun with them ) and in the end they even passed my account back to Capital One, in fact I never paid Cougar but C1 one always direct.

Cougar also have a habbit of harrassing you by phone, even if you send them letters about payment options etc. I did send them a quick harrassment letter and also a 'do not visit me' letter.

At the end of my saga with them, I even got a appology letter :rotfl: