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Full and Final offers - Your experience/advice

Hi all I am trying to reduce my debts by offering full and final settlement offers.

Have you had experience of doing this?
what would you advise?
Were there any negative experiences?

Many thanks
AC x
“most people give up just as they are about to achieve success”
If you think you are going through hell keep going - Sir Winston Churchill
If You Can't Change It, Change the Way You Think About It.
SW, 13st5lb, -4 1/2, -1,(12st13.5lbs)
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