Hamptons Legal Full and Final

podperson

Hi all,

Looking for a bit of advice on this. I have received some letters from Lowells and more recently Hamptons Legal for a catalogue debt that is a couple of years old (only maybe 2-3 though, definately not 6). I am sure this debt doesn't have a valid cca and am fairly sure that Hamptons also know this as they have offered me a settlement of 50% straight away. I have considered going down the unenforceability route but I don't really want it following me round for years to come so would like to make a low full and final offer (maybe 25%). I am wondering whether it would put me in a better position if I requested a cca first or whether I should just try a low offer and if they refuse then ask for one. If I am making an offer does that automatically mean I am accepting liability for the debt? Am wondering if I would get away with putting something like,
"I do not believe that there is a valid or enforceable cca for the above debt, however as a gesture of goodwill, and with no admission to liability I am willing to offer the amount of £xx as an ex-gratia payment in full and final settlement of the account."
Any suggestions much appreciated.

mr.ton

Lowells know they havent got any proof & are trying it on - if you pay them anything, you will never hear the last of them.
Simply report these rogues to the OFT & trading standards....and dont waste your money on them.

fatbelly

podperson wrote: »

"I do not believe that there is a valid or enforceable cca for the above debt, however as a gesture of goodwill, and with no admission to liability I am willing to offer the amount of £xx as an ex-gratia payment in full and final settlement of the account."

I think that would work but you should only go down this route if you do not have anything better to do with your money, like paying priority debts.

It sounds like enforceability may hinge on whether this is pre- or post-April 2007.

I agree with you that the initial offer of 50% f&f does sound like there is something weak about their case.