advice needed re "making an offer" (FIRE)

uptomyeyeballsindebt

Hi there,

I would be very grateful for any advice regarding one of my many debts.
Originally it was a Citibank credit card,which was then passed to Cabot,now it is with a company called F.I.R.E.
The balance is £1157.24.

I had a letter come on Saturday,and it says in bold at the top
"make us a reasonable offer"
It then goes on to say that they will consider any sensible offer in full and final settlement of the account.This offer can be either a one off payment or a payment plan,providing contact is made by 17th October.

I am keen to clear my debts,but I am unsure as to what to do next - I would be looking at a payment plan,but I don't know what to suggest or even where to start.
I have contacted our local CAB,but they suggested I book an appointment with their financial advisor,for which I need an appointment.I would just like to respond to them as soon as I can,so I thought this would be the best place as this forum has helped me so many times before!

Any suggestions would be great.Thanks in advance x

uptomyeyeballsindebt

Please....anyone...!!!!

Has anyone had dealings with this company,can't seem to find much on them...

uptomyeyeballsindebt

Help please!
Any suggestions,what would they consider reasonable?
I am going to ask if I can go onto a payment plan,but I really have no idea of what is "reasonable". I
I need to make contact tomorrow,so if anyone could advise....thanks

LilacPixie

Evening UTMEBID

firstly how old is this debt?? when did you last make payment to wards it or acknowledged the debt in writing??

uptomyeyeballsindebt

Hi there!

This is an old credit card debt,originally Citi card,I'd say roughly two and a half years.
I was on a payment plan as set up by the CAB,and was paying £1 per month,a token payment,which was paid by a standing order,which came out of a bank account which was my partners account,but I used it for DDs,wages etc....

When we split up a year ago,the bank account went,and I paid it monthly,but I am hopeless at remembering these things,so the debt got passed on.I haven't acknowledged the debt in writing,and haven't made a payment to thes FIRE people yet,I have had a few messages on the phone from them just asking to get in touch,and only about two letters that I know of...

I have my own bank account now,thats why I am keen to clear my debts and try and get straight for my little one.

Thanks for replying!!

uptomyeyeballsindebt

Hi all,just giving my post a bit of a bump!