Missed first Capital One payment of many

[erikborgo]

I rang Aqua again asking for a recording of the phone call I had with the manager who said that Aqua couldn't help.  The advisor who answered this latest call told me that they had to open a complaint procedure in order to send me a recording. 

 

I pointed that under GDPR laws, no such complaint procedure had to be opened for them to send me the recording I had requested.  Subject Access Request?  I need that recording (mine wasn't a clear) for my Financial Ombudsman complaint.

 

Can Aqua take the account back from Wescott, if they wanted to?  I suspect that they could.

 

I'm about to call Capital, maybe I can stop them going down the debt collection company route. 

[dx100uk]

Hasnt gone anywhere

Wetclothes dont buy debts

[erikborgo]

I had a feeling that Wescott were merely retained by Aqua and acting on their instructions. 

 

So Aqua could take the account back and accept a nominal offer?  Or am I doomed to deal with Wescott?  Is it worth sending Aqua a letter and income/expenditure sheet offering a small monthly amount?  They might write back saying that I should talk to Wescott.

 

Also, now that it's gone to Wescott, have I lost any tenuous chance I had to get this debt written off?  I've paid them far more than the original debt amount, over 8 years.

[dx100uk]

Hasnt gone anywhere

wetcloths do not buy debts......

 

what part of the above do you not understand

 

Dx

 

 

[erikborgo]

Are you saying that my account is still with Aqua and I can deal with them and ignore Wescott? 

I don't want this to go to court, which is what I expect will happen if I ignore Wescott, who haven't contacted me yet.

 

I'll try and catch the post office before it shuts today, with a registered post letter of nominal offer to Aqua.

 

Thank you for your reply.  It's good to know I haven't been sold.

 

[dx100uk]

why do we keep going around in the same circle since post 1 ??

do you not re read your thread to see if you've already asked the same questions and already got the answer?

 

wetcloths don't buy debs...

look on their letters it says OUR CLIENT...oh guess who Aqua and the old one said Capital one 

 

original creditors don't do court

and

only the OWNER of a debt can try and issue court proceedings.

and even then

they have NO MORE POWERS than you or i

they are not superman.

 

pro rata letters 1 & 2 as advised earlier

if they refuse to accept them simply pay them £1PCM till you die.

take control no BE controlled

it's YOUR MONEY

to distribute where you choose IF you choose on NON priority debts.

 

[erikborgo]

Thank you!  All of that is fantastic to know! 

I know nothing about debt in general and couldn't see the full implications of your first reply.