Viking Collection Services

[act1980]

Hi,

 

Ok, so my GE Money CC has now been passed over to these guys.

 

Anyone had any experience with them? Wondering if I can offer to pay half to balance to clear the debt.

 

Any feedback would be appreciated.

 

Many thanks!

[spamheed]

When did you originally take out the CC?

what is the outstanding balance (rounded)?

 

 

I certainly wouldn't be offering half of anything until they have convinced me that they have a right to collect the debt and that they can prove I am liable - and to be fair I take an awful lot of convincing

 

If you are looking at a full and final settlement, remember that they probably only pay coppers for the debt in the first place

 

If they convinced me (as above) I would possibly consider offering them 15% to 25% and see what happened, start low and let them think they are knocking up the value, whereas if you start at half the value, they will only haggle upwards

[act1980]

Hi,

 

This is not for bank charges. It's a credit card.

 

Thanks.

 

When did you originally take out the CC?

what is the outstanding balance (rounded)?

 

 

I certainly wouldn't be offering half of anything until they have convinced me that they have a right to collect the debt and that they can prove I am liable - and to be fair I take an awful lot of convincing

 

If you are looking at a full and final settlement, remember that they probably only pay coppers for the debt in the first place

 

If they convinced me (as above) I would possibly consider offering them 15% to 25% and see what happened, start low and let them think they are knocking up the value, whereas if you start at half the value, they will only haggle upwards

[GamekeeperToPoacher]

Have you CCA'd?

[act1980]

Have you CCA'd?

 

 

Yes but it is enforceable.

[spamheed]

Hi,

 

This is not for bank charges. It's a credit card.

 

Thanks.

 

 

I don't think anything I said mentioned Bank charges, I referred to the CC.

 

Not to worry

[act1980]

I don't think anything I said mentioned Bank charges, I referred to the CC.

 

Not to worry

 

In the link to the final settlement, it goes on abotu bank charges?

[act1980]

When did you originally take out the CC?

what is the outstanding balance (rounded)?

 

It was about 3 years ago and I think the balance is about £3300ish?

[spamheed]

In the link to the final settlement, it goes on abotu bank charges?

 

 

Aaah, I see.

 

Those links are inserted automatically if you type in certain words or phrases, ie type in SAR and it will automatically post a link about them. Nowt to do with the person offering the advice.

 

I would certainly CCA them/ send them a prove it letter, it may put them on their back foot and if there is no cca you can either cease payments altogether of offer a much reduced F&F