DMP - Full & Final Payment Help

HelpPlease89

Hi,
Back in 2012 I lost my job and got into a bit of trouble with debt.

My debts are as follows:
- Link Financial £2,514.12
- Lowell Financial Ltd £237.55
- Paragon Personal Financial Ltd £51.29
- Wescot Credit Services £1,111.42
- Wescot Credit Services £1,676.60
- Wescot Credit Services £3,287.10
TOTAL £8,878.08

These have all be defaulted, with only 4 still showing on my credit file. They should have all fallen off my credit file by the end of January 2020.
My question is, since these have been defaulted for so long and due to fall off within a year, how much do you think they would accept as full and final payments? I can only offer about 20%.
Also, once they drop off my credit file, do i even need to pay it?

just looking for some guidance. Thanks