Paid F+F to CL on GE Edge card debt - now won't remove default

[Melbel]

01274 853850. They called me earlier from witheld and said it was important I call that number back

[Deb T]

No record on whocalls me Phone Call Comments

 

However, this link shows that it may be linked to a solicitor in Bradford

 

Area Code 01274 - Prefix 853 - 01274 853 Bradford - Reverse Phone Lookup All Phone Numbers

[Hardupnotfedup]

why not just call the number withholding your own and see who answers "Hello its Mr Peter Smith you left a message on my phone earlier who are you" get the drift, but don't give any details as they are probably phishing

[pompeyfaith]

could be Optima Legal

[alfwithhair]

just rang it - "offices are now closed open mon-fri 8am-7pm" but no mention of who the company is, obviously don't want you to know

[excel1]

Think this is the lewis group DCA

[Deb T]

just rang it - "offices are now closed open mon-fri 8am-7pm" but no mention of who the company is, obviously don't want you to know

 

I don't agree, they've left their number, hardly the tactics of a company trading anonymously. DCA's are usually in your face.

[loobyloo85]

Mm, I would try not to worry too much about this. If it is important, they will call you back. x

[excel1]

This is the lewis group DCA

[Bazooka Boo]

Yes you are correct, it was Abdul from the Lewis Group....

Who Calls me updated:

http://whocallsme.com/Phone-Number.aspx/01274853850#pGjdsQQcjUwBGdAjMP-bB7A

Edited November 30, 2009 by Bazooka Boo

[Melbel]

Hiya all.

 

Sorry i couldnt reply properly before - was in here on my phone.

 

I did call them back and was gonna hang up but was on hold for yonks so gave in and thought i'd ask here.

 

I do have a live account with Lewis group - no problems, been paying them by standing order for months. I wont be contacting them anyway. Thay can write to me if it's so important

 

Thanks all

[ODC]

Abdul was probably looking you to increase your payments so he would have more commission for Christmas

[Melbel]

Ha well- he's only getting a pound a month now. as are all my creditors.. i need to be getting my Gin in for xmas..

[Melbel]

Hi all

 

Yet another situation to pick your brains over.

 

I have a small debt which has resulted in yet another lovely default on Credit Report.

 

I am paying and have been paying the token £1 per month for quite a while now.

 

They have asked me if i can up the payment to £1.20 (which i can)

but then i got thinking, maybe i should just offer them percentage and settle the debt on the understanding they remove the default.

 

Ok - so i only owe £132, from what i've read on here, 15% is the going rate for settlements however £19.80 doesnt seem a lot to get them to settle this debt.

 

Should i go up higher or stick to the 15 %???

 

Thanks in advance...

[Hardupnotfedup]

Is the debt with the OC or a DCA

[Melbel]

It is with a DCA, i have been paying them the £1.

 

The OC issued the default against me.

[snowy101]

It is with a DCA, i have been paying them the £1.

 

The OC issued the default against me.

 

 

Hi Mebel

 

If the debt is with the OC [ original creditor ] then you could try & offer 50% of the debut on condition they remove the default from your credit file.Might be worth a try, as my old grandma used to say ... " if you don't ask, you don't get".

 

good luck

 

Middxx

[Hardupnotfedup]

Unless they are going to wipe your CF you aren't going to gain anything.

so make sure they agree to this in exchange for 2 years worth of payments, £24 if they refuse send another letter offering £20

Having said you won't gain at least you won't have the aggro of making the payment every month.

good luck

[Melbel]

Hiya Middxx

 

The debt is now with the DCA, it has been for a couple of years i think.

 

I could stretch to 50% but will start lower to give myself haggling space. from what ive read in here 5-15% is the going rate but that's probably for much bigger debts. i was just wondering what would be a decent starting point...

 

Hardup, thats what i'm going to do then.. do i ask for it in writing before i pay (the wiping of the CRA)?

[dx100uk]

have you made sure they agreement is enforceable?

 

dx

[Melbel]

I Havent even done that dx i thought as its small maybe i should just get it out the way.

 

Do you mean check its enforcability and perhaps use that as a bargaining tool??

[Hardupnotfedup]

Yes that is what DX means, sorry I always presume this has been done.

But in my opinion if you can be rid for £24 then all the letter writing postage and ink is saved on but its your call,

[Melbel]

Update

 

I have received my CCA from them, its got a company called Edge as the heading. It is also titiled ''credit Card agreement'' even though this was finance in a shop for stereo equipment and the original Creditor is CL Finance.

 

It has my signature etc and looks ok.

 

I have no Default Notice

 

Now, I am going to make them an F&F offer to remove the default. On the baisi they have the agreement should i offer 15% bearing in mind this would only equate to £19.65?

Edited August 12, 2010 by Melbel
mistake

[Melbel]

Upon closer inspection, it appears the cca could be unenforceable.

 

There is no credit limit (even though they mention changing it from time to time)

The paperwork has highlighted bits missing where they are supposed to fill in info such as my address, interest charges etc..

 

CL finance have defaulted me and sent me the CCA although the agreement was between me and GE money.

 

I think I will point out the flaws in the agreement along with a 15% offer

[Melbel]

Morning Caggers

 

I had a small debt worth around £122 with CL Finance which was being pursued by the Lewis Group.

 

To cut a long story short, I CCA'd them and told them the agreement was unenforceable and offered them a percentage in F&F settlement to remove the default and close the account.

 

They disagreed the CCA was unenforceable (surprise surprise) but agreed to the F&F settlement.

 

Great, so I pay the percentage as promised on the last week in April. Checked my credit file yesterday and they have removed the percentage off the debt but not settled the account!!!

 

Obviously I need to write to them but I was wondering is there a standard letter or wording I could use and also, what do I threaten them with??

 

Is this a common thing with DCA's and how long should my file have taken for it to show as settled?? I noticed it had been updated on the 26/5/11 so Im assuming the 'settled' should have easily showed by now?

 

thanks