Hi, thanks for the reply, just to check, do I send the S.A.R to Cap One or to Debitas??I haven't had a another call from Debitas yet, so next time they do call i'm going to ask them to send me a letter with what they actually want and then I will send them the S.A.R. That's my plan anyway!

I defaulted on a Capital One c.card I had(stupid i know)and this was passed onto Debitas.They agreed for me to set up a standing order to pay them, and i've been doing this for the past few months.In fact, i'm almost finished paying-hurrah I thought!that was until today....I had a missed call on my phone, so I called back and was put through to Debitas, who asked for my Capital One account number and the balance on my account.I said I didn't know those details, I obviously haven't used my card for a long time, and I said i'm paying it via standing order anyway. This incredibly rude man kept firing questions at me about my account details-I said I didn't have those details on me, but this had been sorted out as far as I was aware.I then asked what he actually wanted, but because I couldn't answer the questions, he said he couldn't tell me as he couldn't know for sure it was me he was speaking to and started going on about the data protection act!! I am worried now, in case they start demanding more money from me-I agreed with them that I would pay with standing order, and everything was sorted out as far as I was aware, until today!However, I cannot find a letter or anything from Capital one or Debitas confirming the agreement, so does this mean that they could just deny I have been paying them?all I have is proof from my bank statements that I have been paying by standing order.I really need help-has anyone else been in a similar situation? Sorry for the long post!

Hi, I have tried speaking to Link today, and I know I have been advised not to speak to them on the phone, but I thought I would at least try to speak to them first. I spoke to a really rude woman who said that under no circumstance will they accept monthly installments.I advised her that there is no way I can give them £1,100 now and that is the only way I can afford to repay this. If they won't accept my offer of installments, and I can't give them the money now, what other option do I have?? I'm so upset, and I just don't see a way out of this.I need to request my credit agreement by writing, does anyone have a template for this?? Please help me x

Hi, I'm new to this, so before I begin, hello! I'm having some trouble with a company called Link Financial.I had a credit card with MBNA that I stupidly failed to keep up the repayments with. I have missed quite a few payments, as I just couldn't keep up with the repayments. I'm not sure how much I owe as I haven't had a statement for a while, but i'm sure it's over a thousand. Link financial have now taken the debt on, and as their systems were down today, I am going to speak to them tomorrow to try and arrange a payment plan(if possible)It sounds like this company are going to be really tough to deal with and i'm worrying myself sick. What i'm worried about is if they demand the money back straightaway and won't accept my offer of paying back £40 per month.Can they do this?? I would really appreciate any advice any of you have. Thanks in advance!