Cabot ...chasing Barclay OD debt. + lots of other debts

[wheelsdd]

Only just recently I think it does say it on the default letter today.

Is it worth us sending backdated £1 per month for the missed payments or not?

X

[dx100uk]

was that you initial offer?

[wheelsdd]

Yes it was and they turned it down - I used the template off here x

[dx100uk]

what post 21 ....letter 1

 

what did you say you were going to £1?

 

if that's a ll you can do then do

 

dx

[wheelsdd]

Yes the first letter on your post, they just refused it straight away though. And have been calling day and night ever since. Is it possible to make an offer now they've sent the default do you think x

[dx100uk]

you sure its a DN?

 

not a NOSIA?

 

notice of sums in arrears? [ hence the £12 fee?]

 

DN's don't carry a charge.

 

 

anyhow.

 

regardless

 

neither of those two letters

stop you paying

 

if you are happy you owe the money

then you should be making some kind of goodwill gesture toward the debt.

 

you've asked them to reciprocate

they haven't.

 

you could send letter 2 as well.

 

nail you intention to your flagpole

the fact that they refuse to help you

will go against them dearly.

 

dx

[wheelsdd]

Absolutely we do owe the money - other creditors have been fantastic and can't do enough to help but these have been awful and I just haven't had the energy to deal with it either way.

It does say Default notice on it I'm sure but will check again when I get home from hospital.

So my plan is now to send letter 2 with good will gesture of £1 per month and back date - they can't say we haven't tried then at least.

Thank you

[dx100uk]

great idea

 

stick by your plans

 

its YOUR money

 

they SHOULD be helping.

 

if you have an internet banking webportal

 

that's by far the best way to do these goodwill payments too.

 

dx

[wheelsdd]

Ok yes I guess it's pretty fast that way too - I will get all this sorted ASAP and await their response - not holding my breath though!

Do you think this is the way to go then even with the default notice?

Thank you

[dx100uk]

DN makes no odds..

 

in fact it helps you.

 

I would not be using any other method [DD SO] just use BACS when it time to pay

that way you have a record on YOUR statement WHEN YOU paid.

 

please do not fall for all the threat-o-grams on any debt

 

now go check the others.

 

dx

[wheelsdd]

I will I promise - I have another damn infection right now but I need to deal with it - feeling positive - only thanks to your help thank you again