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HFC Full and Final Offer!

It will take OH and me 60+ yrs to clear debts with DMP through CCCS.
One of our creditors is HFC with which we both have CCs
Offer arrived today from them for F&F settlement offer of £5623 on total debt of £10,000.
Wish I had £5623 spare.....wish I had £5.62 spare:D

Still, its a step in the right direction.
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