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fpc debt collection capital one


benno79
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Hi,

 

I have fpc debt collection services chasing me for £495.67 I owe capital one on an account I opened in March 2003. I have struggled to make repayments recently as I got into the spiral of debt with payday loans. Is it best to contact them to discuss a repayment plan or get in touch with capital one?

 

thanks

 

Ben

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  • 1 month later...

Hi again,

 

I looked on my credit report and the debt is still listed as capital one. They have recorded a default on my credit file. If I offer to pay the outstanding balance if they remove the default are they likely to oblige? If they don't what real incentive do I have to pay it when I have other things to pay?

 

thanks

 

Ben

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Just called Capital One, I offered to pay the full outstanding balance of £495.67 on the understanding the default was removed from my credit file. I was told by the first person in the call centre this was not possible. I was passed onto a manager who also sais this was not possible. I then said what incentive is there for me to pay back the money. The manager said it would say settled default on my account but I understood that was nearly as bad as a default.

 

I thought companies could remove defaults at their discretion or is this not true. Wondering where I go from here really.

 

thanks

 

Ben

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Once a default is registered it is very hard to get it removed unless the default was placed in error. Such as the account defaulting because the lender had applied a ton of charges to the account that made it impossible to repay, or that the lender added the default to try and blackmail you into paying.

 

It might have been a better idea to simply let the debt stew and have it go statute barred, but it seems you acknowledged it and have made payments towards it.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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