Tmp, Defaults and Full and Final Settlement advice please.

System

Skoots1710 wrote: »

Hey all,

Both gave me compensation of £100 and £75 even though I told them I didn't want it, but they were quite insistent.

I hope you added this to your F&F pot!!
Great news. Hope you get some good F&F's.
Try low and see where it goes - some people have got it as low as 30%, but that's pretty rare.
I'm only 18 months into my DMP and one of my CC's with £7K debt is already offering to close at £4.5K.

Good luck.

Skoots1710

ramblehan wrote: »

I hope you added this to your F&F pot!!
Great news. Hope you get some good F&F's.
Try low and see where it goes - some people have got it as low as 30%, but that's pretty rare.
I'm only 18 months into my DMP and one of my CC's with £7K debt is already offering to close at £4.5K.

Good luck.

I certainly have

Quick question just to be sure. My last two cards are with Wescot, do I offer the Full and Final offers to them or to the original Banks? Not sure where to send my letters.

Many thanks

Skoots1710

Can anyone help me with my last question? I’m guessing I send the letter to Wescot and negotiate with them but I’m not sure as Halifax told me Wescot pass them the payment each month?