Debt collection agency's

Good morning

I have quite a few arrangements set up with debt collection agency's like Lowell etc. Most of these arrangements are set up at a minimum amount of £5 a month.

My query is this, occasionally I get letters offering me a discount on my debts for example, some offer 75% off the debt if I pay a lump sum there and then. I have contacted the company and asked for the discount but still continue to pay £5 per month. This has always been rejected and the offer withdrawn. My argument to them is it seems unfair that the offer is withdrawn because I simply don't have the funds to pay off the debt and if I had that type of money to pay off my debts, I wouldn't be in debt. Can they do what they're doing? Making offers but withdrawing them because I don't have the funds to pay. Where do I stand legally because I really wanna clear my debts ASAP.

Many thanks for any advice given
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