Weird response from Intrum, doesn't make any sense

Angrycarbuyer

So I wrote to Intrum to see if I could settle a £4.5k Debt with a partial settlement. They won't consider it. The original loan agreement was from Lendable. But in their response they say:

"Please be aware that your contractual amount of £***** due on the 28th of the month must be made in order to avoid accruing arrears on the account. In the event the account has missed payments of over 4 months' worth of your contractual payment, a Notice of Default may be issued giving you 28 days to remedy the arrears amount. Failure to do so will result in a Default being registered on your credit file.

Please note that we have made a business decision to re-age and freeze the arrears on your account. This means that your arrears are now at a £0.00 balance and we will not calculate any arrears during these uncertain times. Please note that we will review this when appropriate to do so."

A default has already been registered on my credit file for the debt from Lendable. I thought they can't register one again. And why are they talking about contractual payments. I have defaulted and I assume they bought the debt? So there is no contractual payments. What is all this about re-aging the account. Can they remove the original default, I pay them the original contractual amount and its like this never happened? I'm confused. 

sourcrates

What they have sent you is just a part generic response, which as you have discovered, has little bearing on your account whatsoever.

Debt collectors/buyers, use a range of different template letters they use in response to customer queries.

Whilst the top part of the letter may be relevant, the bottom half will be generic, and include information not relevant to your circumstances.

Try again in 6 months is all I can suggest.

fatbelly

Full and final negotiations is the one time I think it's OK to phone a creditor. Obviously if you get an idiot on the phone, hang up and try again some time. But very often you will find someone who is prepared to talk figures.

Just make sure you get the final deal in writing before you part with your money