Jump to content

 

BankFodder BankFodder


purple007

Get Carter what do I do?

style="text-align:center;"> Please note that this topic has not had any new posts for the last 2585 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

I defaulted on my capital one credit card the amount being 1000 pounds. reasons at the time myOH had left and I was very ill but didnt know with what,labelled a nervous breakdown for a year,I new it wasnt.family in crisis life turned upside down.I worked but it wasnt enough I got into debt,but eventually resumed payments and now have fair to good credit score,no defaultsfor several years[capital one never registered my default],reducing my other debts steadily.Odd no default recorded by capital one.I dont know why because they and there agents harrassed me with phone calls early morning late evening,even robotic recorded messages to ring them , was afraid to answer the door in case it was them.Iwas ashamed embarassed,my children went off the rails and I was diagnosed with parkinsons disease in my 40's,I then began medication fuzzed my brain felt worse ,couldnt cope with CAP1 so ignored them.Storys different now,I need to deal with this confusing mess.

Defaulted 2009

Passed to D collectors,first of many changed frequently most are listed here in other threads treat it ,like a game of ping pong with lives they care nothing about.

Was offered 30% reduction but they wanted it in one payment and time frame was impossible for me

Have never spoken written or aknowledged this debt to any of these DCs [by phone or letter]or anyone until this moment.

Christmas is coming Mr Carter arrives just my luok, but Im not hiding and I will enjoy my Turkey but heeeelp please

What do I do had this letter what will he do next its a Final warning, acting for lowell court action pre sue.Hope your not closed for christmas,Were do I start with this

Ive gathered my papers together,why havnt caiptal blighted my credit record

Share this post


Link to post
Share on other sites

Hi welcome to CAG,

 

Carter is a solicitor for rent, does the debt show on any credit files?

Is Carter working for a debt collection agency?

 

When was the last payment or written acknowledgment made to the debt?


Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

Share this post


Link to post
Share on other sites

The original debt £1,043.31pence was with capital one,I was making a payment each month,but it was frequently a few days late ,I paid my bill online using my debit card.Always paid at least minimum but more if I could The first letter came two months after,these difficulties began..It exlplained the course of action they could take.termination of the account,arranging a visit from there agents to my home,registering default with experian or other agencies and its effect on my future credit.They didnt mention the phone calls 4 to 6 times a day,Iwas paying the debt as best I could, felt trapped and afraid and stupidly stopped paying,when they denined me internet access t o my account to do so .I didnt want to talk to them,I didnt like there intimidating behaviour and there threat list.At the time I was really ill.This was 18 jan 2009

Feb 2009 total credit management wrote to me as appointed agents demanding payment and saying solicitors woud be there next process if I didnt pay

Then credit solutions save 30% pay today.I couldnt so didnt respond.Then capital one took back the debt in October,I dont knnow why,then the hone calls began again,I coulndt believe the frequency,but I never answered ,I couldnt always get to the phone because walking was difficult, Since then Ive been passed around various collectors,solictors.It is Lowell who Carter is acting for I havnt communicated with any of these groups in any way not phone or letter aknowledging the debt that is mine.I subscribe to credit expert my record has no defaults nothing at all from capital one

Share this post


Link to post
Share on other sites

Might be worth checking Equifax not all creditors report to all the CRAs.


Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

Share this post


Link to post
Share on other sites

Lowell did a generic check on me a few months ago on Experian,Ok wiill check Equiifax.I had assumed they all shared the same data

Share this post


Link to post
Share on other sites
Lowell did a generic check on me a few months ago on Experian,Ok wiill check Equiifax.I had assumed they all shared the same data

 

There is no obligation on creditors to report to all the agencies, some use it seems a different agencies for different financial products.


Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

Share this post


Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...