Standard letter to dca??

IgglePiggle03

Hiya

Well after speking to CCCS & then capital one I've found out whose got the debt now. I don't want to get their back up by not responding (although have paid c1 payment for this month) so going to send off the standard letter. The company is Fredrick International. I want to communicate with them in writing only so is it ok to put that in this letter or is there a more official one to send which means they won't be allowed to ring me anymore?

I can also only offer token payments, anyone have any experience offering a dca this amount and it being accepted? Last thing i want is someone turning up at my door or trying to take me to court but thankfully cccs were really helpful with my numerous questions (as always, they are absolute:A ) and i feel more confident about whats happening. I have to say the information on this site has been invaluable, I have found out so much useful information and I definately would have found this whole process a lot lot tougher to deal with without all the help provided here.

Ooh couple more things, is it wise to send cheques to dca for payments as I have been doing up until now with the original creditors? And also do they freeze interest/ charges etc or do you have to beg them to do it!?

Thanks for reading!

IP

Ames

What's the debt for? Could you ask for a cca? I've done that to FI and they couldn't respond, as soon as I can afford ink for my printer I'll be sending them the last letter.

FWIW, I sent them a couple of cheques before I found all the advice about CCA's, and they haven't copied the signature, or forged a DD mandate or anything, but if you can afford POs that's probably best.

Ames

Forgot to say about token payments, I've never had a problem with any DCA accepting them, but I'm on income support so they don't have much choice. FI were fine about it.

IgglePiggle03

Thanks for your reply, sounds hopeful with the payments as there is no scope for any more within the income/expenditure at the moment!

With regard to the cca, i had thought about it after reading stuff on here. Its a cc unsecured debt from Capital one and only got referred on 17th June. I haven't had any contact with dca yet but seeing as its only just gone across to them is it too soon? If I managed to get the token payment agreed & set up with them would i be able to do it then? Hmmmm I don't know whats best

IP x

IgglePiggle03

Oh yes and the debt is def mine (unfortunately) but would still do the cca if theres a chance it might help

Ames

Definitely do it, there's a few threads started by stapely that have all the details of how.