Full & Final settlement advice welcome

Bladebabe

Im sure these questions have been asked a thousand times but hopefully someone will have the time to answer me please :-)

Background.. I was off work sick about 6 years ago, continued to live the life without the money hence lots of credit cards. For the last 3 years I have been on arrangements with them all and all have defaulted prior to going on arrangement. All arrangements are up to date.

My parents are giving me the money to clear my tax bill and will help towards debt so the lower the better.

How much should I offer?

Barclaycard £5991. Debt still with b/c not mercer
Barclaycard £1432. Debt still with b/c not mercer
LLoyds TSB £8157 on arrangement but with the debt collection team
Link £4750 was a alliance and leicester not sure if link own the debt or working on behalf?
Optima legal £3480 was with MBNA
Moorcroft £2570 was tesco but they sold the debt

Im due to pay the arrangements again at the start of June, the money will be avaliable August so am I best to only make token payments to make me a "higher risk"? whilst I wait for the money and then offer when I have it? or make arranged payments?

Hope someone can advise me please

heather66

from what i have read Barclaycard will not accept less than 50%

my dad has offered me some money to get rid of barclaysharks as getting loads of hassle from them at the min i am going to offer them 40% and see what they say but like yourself BC havent passed the debt on yet