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Not sure what to do...
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They don't have to accept any offer you make, but make the offer and send the payments anyway as that shows willing.
Most will not accept any offer made direct but will negotiate with an intermediary (e.g. CAB etc) much easier. This is because dealing direct you could say anything you like about your finances, whereas the debt advice charities will go through things in detail with you to see what your surplus is for any offers. Creditors like that you've been 'checked out'.When I joined, I needed a name. The forum members gave one to me...I am INAN
"Fortunes ebb and flow and a boat must move with the tide and be thankful that it floats." Judith Allnatt0
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