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Recent full and final settlements
Comments
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glentoran99 wrote: »Yeah arrangement was agreed with MBNA before it went to moorgate
Thanks for the link
i was origionally with Alliance and leicester then MNBA took over repayments they one of my bet creditors no hassle & no interest added throught my 5 yrs on DMP eventually passed onto Moorgate ..from what i have read Moorgate dont accept anthing less than 70% of what you owe them0 -
Have read of the accepting as low as 20% on a 6000 debt, I wonder does it matter on the total amount they are writing off rather than looking at the percentage0
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glentoran99 wrote: »Have read of the accepting as low as 20% on a 6000 debt, I wonder does it matter on the total amount they are writing off rather than looking at the percentage
It depends on numerous factors :
The DCA involved, some more amenable than others,
If there are paperwork/enforceability issues,
Age and amount of debt,
Your personal circumstances,
If the DCA involved has had a profitable month or not,
If the bloke/lady making decisions that morning, had a row with there partner before coming to work,
There are endless factors involved, general advise is to start low, and work up.I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter0 -
My A and L credit card that went to MBNA has no credit agreement to be seen. Not even a badly reconstituted one.
Couple of years earlier than yours. Worth asking for though.:beer:0 -
So aktiv kapital have replied with an offer of 20% discount,
Thought they would be able to offer more
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glentoran99 wrote: »So aktiv kapital have replied with an offer of 20% discount,
Thought they would be able to offer more
Have you CCA`d this account ?
If not, I would do so, then see what they send you back.I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter0 -
Letters are sent now, however that one is from 2008 so am i right in saying they dont need the original?0
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glentoran99 wrote: »Letters are sent now, however that one is from 2008 so am i right in saying they dont need the original?
Yes, re-constituted will be acceptable, no signature required either, but they still need to send you something that resembles a credit agreement.I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter0 -
Phoned moorgate, bloody waste of time that was couldn't give me any inclination if they would accept, and said they will respond in about 10 days with either a yes or a no, they won't give a counter offer0
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So Blair oliver and Scott/ halifax
Will only take 85%0
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