OK I am getting confused. Both my husband and I have accounts with capital One. I negotiated payment plans and was successful with mine offering £10 per month. However for some reason they wouldn't accept the same for my husband, despite sending and I&E form showing we could not afford more. Then he received a letter from Cougar asking for urgent contact. Phone calls started which I did not answer. I emailed several times offering £10 per month - emails were never acknowledged, however, letters were then received stating that the proposal was completely unacceptable. Yesterday, another letter was received saying they were disappointed "reasonable proposals" to clear the debt had not been made and that, unless payment is made to Credit Solutions Limited, the account may be returned to Capital One Bank (Europe) for further action... .. Is that usual? Why return the account back to them? I thought they would then start threatening visits etc?? Any advice on how to deal with this?

Hiya, I thought Id already posted this but cant find it???. ..maybe I didnt post correctly.. Hubby has a debt with Cap1 and they have now defaulted it. We have recently moved house and havnt updated our records yet but yesterday we sent off an SAR request with a change of address inside along with a photocopy of his passport- hope thats sufficient. Today we get a phoneall off the mother in law saying theres a letter at hers for him. She hasnt opened it but as you can imagine we were shocked when he opened it and it was a debt letter from Cougar about said debt. Its made me feel sick and Id be mortified if she knew what it was because shed go off her rocker and rightly so. Can anyone help me with this as I just dont know what to do to prevent it!!?? I presume they are going through previous addresses?

Sham one folks, please see below a copy of a letter I received from Lowell, I did start to pay this debt via Payplan before I found this forum. The debt is a credit card with Capital 1 for just under £400. I stopped paying and told them I wanted my CCA and my SAR which I still have not received, I was hoping somebody could advise me on what my reply should be, I am also pretty sure that they should not encourage people to pay by credit card e.g., Encouraging people to take out more debt. I also have the same letter regarding an Egg account even though the CCA they sent me is not valid We are disappointed that you have failed to keep up to your payment arrangement that you promised you could afford to repay. We can only assume that this means that you are either UNWILLING or UNABLE TO PAY. If you are unable to keep to your repayment plan or are unable to catch up with your arrears, then we may be able to offer you a greatly reduced settlement discount to clear your account. Should you fail to make contact with us we will assume you are UNWILLING to keep to your previously agreed arrangement and therefore we will have no alternative but to send your account to our legal representatives, Hamptons Legal. We do not wish to take this action and urge you to contact one of our advisors on the following number: 0845 279 7117 PAYMENT CAN BE TAKEN OVER THE TELEPHONE BT DEBIT OR CREDIT CARD