What !!!!!! do I offer Halifax Credit Card?

pammer

Hi All,

After many, many, many years of carying around debt I've been able to settle all but one of my debts with a !!!!!!. But my last creditor is not playing ball, grrr.

Short history of the Halifax credit card in question:

- Defaulted in 2009 owing £10.5K
- Paid £6K off with DMP but stopped making payments over 2 years ago.
- They have not sold the debt or actively chased me for the £4.5K balance (even though no payments for over 2 years).
- They hold a copy of the original CCA.

They've offered me a 75% !!!!!!, but all of my other creditors accepted 25-33% !!!!!!. (They declined my 25% offer).

Does anyone have experience with Halifax !!!!!!? Should I continue to negotiate with them? Or do you think they'll stick to their 75% offer?

I've only dealt with their India? based collections department so far, would writing to the UK department make a difference?

If anyone has experience or insight they could give me it would be amazing.

Many thanks,
P x

sourcrates

Hmmm, they don`t call them the "Hellifax" for nothing you know !!


Experiance gained on this forum tells us they can be pretty stringent in settlement negoatiations, especially as the debt remains with their in house collections team.


At some point they will sell the debt on, i can almost guarentee you will obtain a better deal from a debt purchasor, than you will from the Halifax.