Dealing with CK.Edrupt & Co / Greenwoods

[Hondaguy1991]

I'm new here and I'm just looking for a piece of advice,

 

long story to understand but here goes nothing

 

when I was 18 3 years ago I let my mother who had just been made redundant take out one of these loans in my name

the amount was 600 I'm sure but not 100%,

 

as far as I was concerned she made every payment on time and the loan was paid off during the agreed time

but it turns out she lied and I only discovered this when a letter dropped through the door from C.K Edrupt & Co solicitors

asking me to pay the remaining balance of £413 and

 

I confronted my mother about it and she said she will get the money and pay it but around 1month passed and she came up with nothing but

 

this week another letter has came through from C.K Edrupt again saying they are willing to accept 50% of the amount due if I pay in full,

which I'm more than willing to do as I will just pay it.

 

The questions I have are is there anything I should know before making this payment over the phone?

 

Like asking them to send me a receipt or anything like that.

 

And the next question I have is will this have a really bad effect on my credit score in years to come as I embark on getting my own mortgage ect in the future,

everything else I have ever had on my credit file is perfect and this has got me really worried about things looking to my future,

 

many thanks for any replies I get and

 

I'm very sorry if I've posted in the wrong section.

[Hondaguy1991]

I would just like to add that I have until Tuesday the 14th of May 2013 to accept the 50% off offer from C.K Edrupt & Co. I'm also aware that I might be sounding daft in this thread for worrying about it but I really just want to be sure when it comes to applying for anything in my future that this is not going to affect me. I have now received advice telling me to ignore it but I don't want it to affect me anymore than it already has. Thanks again. PS I know I over think things but I'm just a young guy that wants to be sure and think about my future rather than ruining things with stupid debt.

Edited May 12, 2013 by Hondaguy1991
Additional information.

[dx100uk]

moved to the provi forum.

 

these debts never show on your cra file normally so don't worry.

 

as they are offering a discount

this means there issomething WRONG with the debt

 

prob unlawful PENALTY charges

 

they'll never go near a court either as they don't want the judge knowing their extortionate int rates.

 

you are safe to ignore then and your cra file is safe too.

 

but chec kthe debt does not already show

 

 

NEVER EVER discuss your debts on the phone or at your door

 

they ARE NOT BAILIFFS

and NO dca or their fake/tame spoof DCa solicitors have

AN YSUCH LEGAL POWERS.

dx

[Hondaguy1991]

Thanks a lot for the reply I really appreciate the help and advice being offered, I logged on to the experian credit report and it is on there and has a red circle next to it at the moment.

[dx100uk]

ok well theres not a lot you can do about it really.

 

paying the debt WONT get the markers removed.

 

what is your score like?

 

is this the only bad on there?

 

dx

[Hondaguy1991]

My score is perfect other than this one thing I've had a mobile phone contract for 3 years never missed a payment, I've also got a credit card which has never missed a payment and 2 store card/catalogues that have never missed a payment. Would I just be throwing away £200 by paying it or what? Again sorry for sounding like an idiot i just really worry about these sort of things.

[dx100uk]

hope you've got no "12 PENALTY FEES on those cat debts or any other debts you have?

 

I think it would be best if you read around a bit

 

the general debt forum

 

off of the main forum tab up the top left of this page might be a place to start

 

or type in

discount

 

in the search of our grey toobar up top

 

a debt with a discount means there is something WRONG with it

 

could be an unenforceable agreement

could be PPI

could be unlawful PENALTY charges

 

or all 3!!

 

pers , i'd wait for it to be sold to a DCA

 

then you'll be able to offer a F&F to settle it & demand its total removal from your CRA file

as a condition of payment.

 

you could SAR greenwood

 

that would give you all the statements

then you'll find out.

 

whatever you do

 

take your time

read around

DONT fall for the threats - they are NOT BAILIFFS

nor a REAL solicitor

they have NO SUCH LEGAL POWERS

 

post here for advise when you do decide

 

see the debt blog below too:

 

 

 

C

redit

R

eference

A

gencies

:

Experian

Equifax

CallCredit

noddle

 

Sort Your Debts Now - -

here

 

Start Your Own Thread

-

HERE

 

1. Single Premium PPI Q&A

Read Here

2. Reclaim mis-sold PPI

Read Here

3. Reclaim Loan, Credit Card, mortgage & CAtalogue Charges

Read Here

4. Ins & Outs of PPI & interest :

click_here

5. Feel Bullied by Creditors or Debt Collectors?

Read Here

6. Staying Calm About Debt

Read Here

7. Thinking of a Full & Final Settlement?

Read Here

my views are my own...seek legal advice if ness

NEVER EVER

- act on a private message asking you to visit another website, make contact 'off list' or by telephone

-

alert the siteteam IMMEDIATELY by hitting the black warning triangle on any message -

Particularly if this results in a request to pay a fee to help you.

 

 

Please consider making a small donation to help keep this site running

 

Please consider making a small donation to help keep this site running

Click here to donate through PayPal (opens in a new window)

 

DX

RIP Martin3030

 

[Hondaguy1991]

I really appreciate the help your giving me

 

first thing I'd like to ask is whats "12 PENALTY FEES" and if I call to pay edrupt over the phone tomorrow for the 50% amount of £206.50

could I ask them to remove it from my credit file as condition of payment.

 

Many thanks again for the wonderful service you guys provide on this website

 

I'm only 21 and don't really have a clue as I'm on my own in this world now trying to deal with things like this,

 

I just want to make sure I do everything the right way.

[Hondaguy1991]

I say this because they told me that if I don't pay further action will be taken against me.

[dx100uk]

many creditors levy fees for late or over limit penalties

 

these are unlawful and can be reclaimed

as can PPI or any insurances they made you take out.

 

as for calling ANYONE on the phone..

 

never ever discuss your debts on the phone!!

 

you are under NO LEGAL REMIT to do this

 

you need everything in writing only!

 

if anyone phones you up

 

REFUSE to go through their security checks

 

and state 'in writing only please'

and hang up.

 

you should NEVER EVER be giving your card details over the phone concerning a

payment of a debt or credit.

 

those details are often retained and they will drain your bank account .

 

you need everything in writing for a data trail.

 

most DCA/fake solicitor will say ANYTHING on the phone to make you pay

 

DO NOT fall for it.

 

get reading

 

dx

[dx100uk]

I say this because they told me that if I don't pay further action will be taken against me.

 

yea another scary letter trying to fleece you.

 

don't fall for it

 

get reading as detailed before

 

dx

[Hondaguy1991]

Ok thanks for the advice,

 

I just want to get rid of it once and for all

 

if I phone now tomorrow and ask to pay via "?" And a condition of me paying is that it gets removed from my credit file this should work?

 

The payment method has a ? Because I'm not sure what method to offer.

 

And like I said I'm only young and the threat that ill be taken to court is not what I want hanging over me

 

I'd rather get rid of the debt and be happy again as this has been really worrying me.

[dx100uk]

I would pay if you must by your internet banking webportal

do not give them a card number

 

get their confirmation in WRITING FIRST

if they agree to mark the file settled [NOT PARTIAL SETTLEMENT]

 

they must also remove ALL negative data [late markers]

else they'll still show

 

post the letter up when you get it.

 

do NOT pay them before you get it in WRITING that they will abide by your conditions

 

however I doubt they will do that.

 

don't pay it, it will be a waste of money

and they'll sell the rest of the undiscounted debt on

and you'll get more threat-o-grams

 

you REALLY need to do some reading around

 

they will NOT do court.

 

dx

[caro]

I really appreciate the help your giving me

 

first thing I'd like to ask is whats "12 PENALTY FEES" and if I call to pay edrupt over the phone tomorrow for the 50% amount of £206.50

could I ask them to remove it from my credit file as condition of payment.

 

Many thanks again for the wonderful service you guys provide on this website

 

I'm only 21 and don't really have a clue as I'm on my own in this world now trying to deal with things like this,

 

I just want to make sure I do everything the right way.

 

I think this should read £12 penalty charges. Do NOT do anything by phone. It is always best to get everything in writing so that you have a paper trail.

 

Ok thanks for the advice,

 

I just want to get rid of it once and for all

 

if I phone now tomorrow and ask to pay via "?" And a condition of me paying is that it gets removed from my credit file this should work?

 

The payment method has a ? Because I'm not sure what method to offer.

 

And like I said I'm only young and the threat that ill be taken to court is not what I want hanging over me

 

I'd rather get rid of the debt and be happy again as this has been really worrying me.

 

I have to agree with dx, do not to give them your card details.

[Hondaguy1991]

I will call them tomorrow and ask if they will remove it from my file if I pay in full, how do I pay through my web portal? Ask them for bank details or what? I really appreciate the advice you guys have provided me with I don't know what I would have done otherwise. I will let you guys know how I get on tomorrow when I call them and thanks again.

[caro]

Please do not call them unless you can record the call. You need any agreement in writing so that they can't go back on any agreement.

[Hondaguy1991]

I am just going to call the, and say " I would like to pay the account off in full, but as a condition of this payment I would like my credit file to be marked and settled and any negative marks against me removed, the payment will be made when I get a letter in writing from yourselves agreeing to keep to your side of the agreement."

[Hondaguy1991]

And again how do I pay through my banks web portal? I would also like to take the chance again to thank you guys for providing me with a real lifeline I really don't know what I would have done without the advice you guys are offering.

[caro]

Have they provided you with any evidence of the amount due?

 

Do you know if there are penalty charges?

 

You are implying that you will pay 100%. Is that what you mean?

 

If you want to agree a F&F settlement why not offer less?

 

You also need in writing that they will not sell the remaining part of the debt to someone else as it could come back again from another DCA.

 

I really would strongly urge you to read some other threads and advice before doing anything - especially speaking to them on the phone.

[Hondaguy1991]

They have not provided anything to me other than the letters i mentioned at the top.

I'm offering to pay the 50% they mentioned in the letter because I don't want to get into a legal wrangle over such a trivial amount of money I just want to get rid of it,

i need to get from them a letter stating that when the payment is made they can't sell the other 50% on and that I would like my report marked as settled. And then I will proceed in paying it, like I mentioned before I would also like a little advice on how I should pay them I don't know how to pay anything other than using my debit card which I use to pay everything.

[Hondaguy1991]

If I don't reply again to this thread tonight I'd like to say I'm not being ignorant I'm just tired now its almost 3am. And I can't thank your team enough.

[caro]

You're not the only one who's tired. Read the advice again in the morning before you do anything.

[blueda]

I agree with dx and caro,

 

DO NOT speak to them on the phone,

 

communicate only in writing,

 

there might be unlawful charges added,

they have not provided proof that you owe them money.

 

If you decide as you have been saying then take a look at the letter templates page on the link below

www.consumeractiongroup.co.uk/forum/showthread.php?20758

Letter J is the letter for offer of reduced offer as full and final settlement, there is also letter N which you should read.

Edited May 18, 2013 by blueda

[Jam_Buttie]

Do not phone CK Headache. Ignore.

 

Their pathetic letters are full of empty threats