Seanyboy82
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Robbersway & cap1 debt - Soon to expire unpaid default: Advice needed
Seanyboy82 replied to Seanyboy82's topic in Capital One
Actually just checked. Account started 17/05/2010. -
Robbersway & cap1 debt - Soon to expire unpaid default: Advice needed
Seanyboy82 replied to Seanyboy82's topic in Capital One
Thanks DX. The Card is from 2011/2012 I cant remember exactly what month. But the default is definitely dated 6/11/2012 on experian. -
Robbersway & cap1 debt - Soon to expire unpaid default: Advice needed
Seanyboy82 replied to Seanyboy82's topic in Capital One
Thanks for the replies guys. No I have not moved address, but I have acknowledged the debt by the tenner payment a few years ago. I've no real knowledge of statute barred debt and whether this applies in my case. From the replies Im assuming I just don't pay anything, then the default will drop off my credit file this nov/dec and thats that? Theres zero chance of a CCJ then or anything else mental getting put against my file? -
Robbersway & cap1 debt - Soon to expire unpaid default: Advice needed
Seanyboy82 replied to Seanyboy82's topic in Capital One
Thanks Fkofilee. Are there any implications or risks involved there? Ive read people getting done with CCJ's after the 6 years. I also made contact with them today to check settlement price so not sure if that affects matters? -
Hello all, Im new to all of this stuff. In November 2012 I was issued with a default warning letter from Capital one (then Cabot) for a balance of £270, which I tried to pay off at the end of the 30 day period on (xmas eve), but they did not answer their phones that afternoon (this is not a lie!!). somewhere in the middle I called up and paid a tenner with the intention of paying it off weekly, but was so annoyed with the default that I just then ignored it. 6 years on (the default is set to 'expire' on 6th November ) and they are now asking for the balance to be settled at £190. 'Robinson Way' now own the debt. What is the best way for me to deal with this. I obviously do not want them to enforce a CCJ for another 6 years. Should I pay the settlement price or the full balance? Is it more sensible to pay the £190 since the default is to drop off my profile anyway? Should I negotiate a lower price. What do I need to be careful of? Appreciate your advice. Many thanks.
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