Any advice appreciated

markhull

Well ive sent the letter to them today offering a pro rata payment of £12.37 per month so fingers crossed! Are they likely to just reject this or has anyone had any success with such low payments?

lindsaygalaxy

Hi

I would also recommend signing up to the 30days free experian trial. That should tell you where you stand with cahoot.

kathfisch

lindsaygalaxy wrote: »

Hi

I would also recommend signing up to the 30days free experian trial. That should tell you where you stand with cahoot.

You can get cashback if you sign up through quidco or pigsback too!

Don't forget that the three credit reference agencies hold different selections of information about you so get them all to be clear about your position. Click here for Martin's article about credit ratings and here for which lenders use which agencies.

Good luck with approaching your creditors!

markhull

Ok well i just checked with Annual Credit Report and currently both the accounts are showing as just defaults, so not CCJ yet.
I think I best write to Cahoot aswell then and offer them the remainder of my offer on a pro rata basis and hopefully they will both accept them!

I would be really pleased to hear from anyone who has had low offers like £12 and £20 accepted by them as this is all I can offer currently and it would make me feel a whole lot better knowing that someone else has been in this situation!?

markhull

It has now been nearly a month since i sent letters to my creditors and i havent heard anything from them. Does anyone know if this is what to expect or should i write to them again?

Hope you can help, please!