What a mess...

stvn1

I'm a bit stressed this afternoon. I received this email today:

Asset Collections and Investigations Limited
Re: Account Summary
Customer Reference: 3*****
Original Creditor: AvantCredit
Outstanding Balance: £657.55

Dear ******,

We note that we have been trying to contact you for 30 days and have had no response to date.

Even at this late stage, we can still offer you a payment arrangement tailored around your affordabillity. There are lots of ways you can make payments.
Kind Regards,
Asset Collections & Investigations


However I settled with them as agreed on 31st October 2017. Here is the confirmation email:

Dear ******,

Re: ACI (Avant)
Reference Number 3*****
Amount Outstanding £0.00

I can confirm that the above account is now Settled in Full. There is no outstanding balance to be paid, your account will be updated and we will close your account and update your credit file.

This payment would mark your account as Partially Satisfied on your credit file.
Kind Regards,
Scott Craig
Account Manager

What on earth are they playing at?? I've emailed them back.

NelliePie

Hopefully it's just an admin error - unless you had two loans with them? do the customer references line up?
Let us know what happens and try to not let this get you down too much until you know what the situation is.

stvn1

Thankfully it's an error. I've just got a reply. It give me a right scare.

Re: Communication

Customer Reference: 3*****
Original Creditor: AvantCredit
Outstanding Balance: £657.55

Dear ******,

Thank you for your reply. The email was sent to your in error please disregard. I can confirm that your account has been closed. I apologise for any inconvenience this may have caused.

Kind Regards,
Asset Collections & Investigations

NelliePie

At least you're organised enough to know that it was wrong and didn't just add it to your list! Take it as a win and keep going

snorfing_along

Hi, it's taken a couple of days to read your diary and I love your very proactive approach to debt busting, it's amazing how much you have slashed your debt in the last 9 months! Well done

stvn1

I haven't updated this since June, its been a busy busy summer. I hope everyone is well.

I've been chipping away at the debt regardless and I cleared another one this week. The first Lowell debt is now paid off.

My debt currently stands at £3008.41. I've dropped the ball a bit in terms of making progress through the other debts and they remain as they were in June. Time to refocus and kick on.

SLL £ 960.00 : £ 0.00
ACI £1386.60 : £ 0.00
Moorcroft £ 690.47 : £ 0.00
Rob Way £2191.00 : £ 0.00
Shoosmiths £ 719.48 : £ 0.00
Lowell £ 829.31 : £ 0.00

Lowell £1348.19 : £ 767.72
CRS £ 773.12 : £ 541.15
Barclays £1039.00 : £796.23
Cabot £1327.32 : £ 903.31

enthusiasticsaver

Brilliant progress. It is coming down nicely. Coming ever closer to that DFD.

stvn1

enthusiasticsaver wrote: »

Brilliant progress. It is coming down nicely. Coming ever closer to that DFD.

I'm getting there. It's just over two months until the 1st anniversary of my LBM. If I can get my debt down to £2164.49 or less I'll be happy. That will mean I have reduced what I owe by £10,000 in a year. So that's around two months to find £843.92.

[Deleted User]

I'm sure you can do it stvn1

NelliePie

You've done incredibly well. We all drop the ball now and then just don't beat yourself up and keep going. Just think if you can have a blip and still knock off around £10K in one year Imagine what you could do next year with the £10k savings you could make! Well done