Intrum £1500 Nat West access card/C L Finance £800 1st Direct - full and final - how much should i offer

[gettingsorted]

Have just found out that a PPI claim has been settled whic puts me in a position to pay a couple of old debts.

 

Should I offer around 10% to start .........they are both with DCA's

 

Thank you

[Bazooka Boo]

What are these Debts?

 

Who with?

 

How much?

 

NEVER pay a DCA.

 

You need to make sure that these debts are enforceable first before offering any F&F payment, plus you need them to mark your credit file as settled, NOT partially settled where they will sell on the shortfall and you won't be any better off.

[gettingsorted]

Hello

Intrum Justicia is for around 1500 Nat West access card

C L Finance one is for is around 800; and first Direct

 

one does not show on my file and one does;

 

they are enforceable and I do have Credit agreements for both,

I believe they both collect on behalf of the organisation.

 

I understand I need to ensure that they remove it off the file and make it clear in the correspondence that it is in F & F

 

Thanks

[intend]

As Boo says never pay a DCA - need to deal with the OC and only the OC.

[gettingsorted]

Ok I appreciate I need to contact the oc direct and will do so but could you suggest what I need to offer them.

Thank you

[intend]

No real experience of offers - might need to trawl site or wait til someone comes along with advice.

 

More info on debts would be useful - how big, are you paying anything at moment, do they have PPi or charges on them. Until this is supplied hard to give you advice. really as per Boo's post

[Bazooka Boo]

Who has checked the CCA's and told you they are compliant?

 

When were these taken out, pre or post 2007?

 

Who is the OC?

And what are these for, credit cards, loans, store cards????

[gettingsorted]

hello and thank you for getting back to me

 

Both pre 2007, Nat West access card and first Direct...total owed above. No PPI but charges dealt with a couple of years ago.

 

I think the CCA's are compliant after a massive amount of research and reading here and online. Have copies of both. Have challenged a couple of others I had.

 

Have been paying monthly payments for several years and just want rid of them now.

[Old Cogger]

post them up on here minus personal details, then they can be checked by those who know the score as to their enforceable/non enforceable/ NEVER TAKE THINGS FOR GRANTED, worth having them checked?

[Horsen]

Hi gettingsorted. I know you say you have copies of your CCA but are they ones you have asked for from the DCA? Plus as Mike770 says post them them up, with all personal details removed, and let the more experienced Caggers have a nosey.

[Bazooka Boo]

How much have you been paying a month and to who?

The OC or these powerless DCA's?

[gettingsorted]

Thank you all for your comments but I only asked for suggestions for full and final offers. I decided a long time ago not to even try to fight these especially as far as I could see after lots of research that they were enforceable. I am not in the right place mentally to start fighting them now after all these years. I appreciate your offers of help and should I decide to challenge them I will post here for more advice.

Again thank you very much for all your advice and comments I am sorry that I am not up to fighting them.

GS

[renegadeimp]

Whoa there. Who said they were enforceable? Theres a lot more to enforcing a debt than having a compliant cca.

[intend]

Sorry to see you are not up to fighting. If you just take one step at a time it is not so much a fight s a great learning experience which when finished can be used to help others which is very rewarding and is what a lot of people on here have gone thro'. Certainly not got a lot to do - when I was fighting the banks the advice on here allowed me to distance my self from the problem and it was just like being a conduit between the good folk of CAG and the nasty folk at the banks and immediately felt in control.

 

Good luck and please stick around.

[BRIGADIER2JCS]

GS what shows on your credit files for these accounts?

When was the last payment made?

[gettingsorted]

Hello all - (hi Brig)

 

Have just checked all my credit file with experian, equifax and check my file and can't see either of them showing now. This has changed in the last couple of months as the FD (paid via CL was definitely showing) . The other one never has.

 

Will check my paperwork tonight to see the rest of the stuff - monthly payments being made.

Can't remember if the debts were sold or not.

 

Speak to you later.

GS

[BRIGADIER2JCS]

Ok GS I'll look in later.