Capital One Credit Card

SnowTiger

ScaredWitless wrote: »

I don't see why they wont help. I showed them my doctors report that I have an ongoing mental health condition, and an income and expenditure, yet they wont write off the debt!!

There is no prospect of me working as I explained. Debt is only for £362 so can't see why not?

ESA is rarely for life, even for those in the support group.

You're likely to be reassessed every twelve to twenty four months. That will mean completing forms and probably going for assessments.

Mental health issues can and do change. Perhaps counselling, drugs, change of lifestyle, etc will improve your situation.

The debt you owe to Capital One is small.

They're likely to waive interest and accept a lower monthly payment, perhaps as low as £1.

Perhaps your situation will be different in twelve months time.

You appear to have written yourself off. Capital One has belief in you and belief that your situation will change in the future.

Your posting history is interesting. Full of posts about avoiding debts and problems with your Smeg fridge.

Perhaps your husband could help with your Capital One debt. What's the minimum monthly payment? Less than £15?

There's a difference between can't pay and don't wanna pay.

AbsClax

Did they target you though, or did you approach them?

Oakdene

Aren't capital one a company who offer CC's to people with less that perfect credit ratings to help them?

SuperHan

Oakdene wrote: »

Aren't capital one a company who offer CC's to people with less that perfect credit ratings to help them?

Yes, but they also only offer very low limits and (I think) require a deposit from those with the worst credit ratings.


It's not irresponsible to help someone build their credit rating back up. It would be irresponsible to give someone who has no ability to pay credit back significantly more credit.