fullofcold wrote: »
Right so, just to clarify (I've had meningitis and my brain misfires a lot)
1. Get copy of CCA (or not if there isn't one or they can't find it)
2. Give notice to GP when we exchange
3. Write to creditors with a low ball offer - even more low ball if no CCA
4. Negotiate F&F
5. Pay whatever we agree on after they have confirmed figures are full and final as per the sample letters
Is there anything I have forgotten?
Edited to add he has just sent me the breakdown and one of them is a CCJ - I assume that one will need to be repaid in full.
Willing2Learn wrote: »
I am confused at to why you need to keep your GP in the loop. But yes to everything else.
You can haggle with a CCJ too. The only difference being that if you partially satisfy a CCJ, the associated entry on your credit file will not be marked as settled.
flyingv wrote: »
Hi all, a bit of an update. I had a missed call from Arvato so rang them back. The guy was very rude, bordering on aggressive - and said that as I had a payment plan in place there was no need for them to accept a f&f. However, I stayed calm and he eventually gave me a figure of £757 (on £990 debt!) but when I asked for confirmation in writing he said there was no point. Okay... Fast forward a few days and I receive a letter basically reiterating that I had a payment plan in place, but no mention of the f&f amount he'd mentioned. They can just have their money at the agreed £25 a month until it's paid in that case.
Still no news from Robinson Way.
fendi-bag-lady wrote: »
Hi, I've had a good read through this thread and have decided to go down the CCA route then offer F&F settlements. I currently have 13 debts all of which have I have defaulted on between 2012 and 2019.
All except one (Capital One) are now with DCA. Cap One was open in 2015 and I defaulted in 2016. I've been paying £1 a month since then. Is it still worth sending a CCA and/or offering them F&F.
I am unsure who actually owns any of these debts (keeping track of 13 debts is exhausting). Should I send the CCA requests to the DCA's and they will let me know? Should I include the £1 postal order?
fullofcold wrote: »
Can I ask what is probably a stupid question. Can you negotiate a full and final over the telephone and pay it once you receive written confirmation?
New plans have just been announced by the Government
DON'T assume your landlord covers you
Incl £2ish sun cream & £1.50 disposable BBQs