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Cap1 card Default advice please

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Hello everyone,


I would be very grateful for some advice.


I am self employed.


Back in 2016, I became unwell and was under hospital investigation.

As I was unable to work, I used my savings to pay priority bills and for travelling etc to hospitals.

Prior to this, I paid on time.


Unfortunately, I fell behind on two credit card bills Capital One and AQUA.

I contacted both to explain the situation.

I sent in copies of my medical report as requested.


Capital one froze interest and told me that I had two months to bring account up to date.

I was in contact with a named representative known here as J. 


I sent a payment to cover the missed payments.

I advised J on the 29th July 2016, that i had posted a cheque.

J told me in a phone call that i had sent to the wrong dept.

He advised to cancel and send a new payment.

My first payment had been sent by recorded delivery so I cancelled but the letter was still delivered and received on the 2nd August 2016. 


However, on the 5th August I received letter from Hoist holdings- Robinson Way saying they now owned the debt.

That the account was defaulted on the 29th July 2016. 


In the last few years, I have argued this default and balance with hoist.

The account has been transferred to Frederickson and back to Capital One, back to Robinson Way to BPO.

I never had any notice of assignments and became lost as to the debt was with.

Hoist said they didnt place default on credit file but its their name on the file.


I feel as though the collection activities have been unfair too.

For example BPO sent emails saying my debt was with Welcome Finance and then called 20 times one day.


With Robinson Way, I requested a SAR request with C1 but no default notice was included, the statement showed charges, no copies of my drs note etc. 


Apologises for the length of this post.


I will do AQUA separate although similar.


Moving forward, I would ideally like to offer a F+F settlement and discuss the removal of the default if possible.

Welcome any advice please.

Thanks in advance.

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 cap1 placed the default upon sale

nothing to do with hoist group.


doubt very much if you'll get the default removed by doing an F&F to them.

and ofcourse it will be on your credit file as PS for another 6yrs which is as good as a default anyway


might just be better to let the whole thing vanish on the defaults 6th birthday.




please don't hit Quote...just type we know what we said earlier..


if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.



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