Can't Pay Cap1

It comes down to this, 3 accounts (CapitalOne) in collections, I am trying to do anything to pay these accounts (low balances), but only to the ORIGINAL CREDITOR. Paying the collection agencies will get me nothing (i will still have all three chargeoffs on my credit report). I PlanetFeedback'ed them to try to get them to accept payments and got this response:

<FROM CAPITAL ONE>

Dear Brian H,

Thank you for contacting Capital One.

We appreciate your desire to make payments to your accounts. We regret
that if our representatives were unable to make payment arrangements, we
are unable to assist you further via e-mail.

At the end of each month, the credit bureau is sent an update on the status
of your account. It is our policy to report all past history on your
account for 6 years and 11 months; after this period any derogatory
information is purged from your file.

We regret any inconvenience this may cause you.

Sincerely,

S. Whitfield
eCorrespondence
Capital One Services(R)

Visit us online at http://www.capitalone.com, where you can access valuable
products and services.

<XXXXXXXXXXXXXXXXXX>

So, now what. In reading this, they have no interest in collecting, just writing off the debt, taking the tax credit and leaving my credit ruined.

Thanks for the help (especially Joey74, who posted to my other messageThanks

Brian

 

How can they add interest to a charged off account. I didnt think that was possible/legal?

Anyone?

B