Advice on cards and accounts please

eecjwd

Hi

Don't know if anyone can advise me but I have a £1400 debt with tesco's that is on a payment plan of £56.00 and a debt with halifax £3500 on a payment plan of £45.00 and an account with Nationwide that OD by £1300 and is on a payment plan of £55.00.

However I have just recieved an insurance payout of £900.00 and was wondering if it would be worth offering these a full and final offer and what the chances of them accepting them would be.

Any advice would be grateful.

Thanks

Tixy

What does these debts show as on your credit file?
Have they frozen interest on them?

If they are showing as defaulted then they may well accept a reduced full & final. If its showing as arrangement to pay, or not showing anything negative then its less likely that they will.