Help me.....CCA and Full and Final Offers

tayajade

Milo1982 said:

Hi There - I could really do with some help to clear some very old debt, that is just a noose around my neck!
I have four debts now totaling £17.5k (originally £28k) as detailed below

• Moorcroft (Santander) £2.4k - Default to come off in April 21.  CCA sent and CCA received(Shame).  Currently paying £75.00 per month (but struggling).   What should I offer as F & F??

• Debt managers (previously Tesco loan) £8k - Default to come off in July21.  CCA request sent 15/02/21, no response.  Managed through Moorcroft.  Currently paying £60.00 per month (but struggling). What should I offer as F & F??

• Intrum (Tesco CC) - £2k. Default removed already as defaulted in 2014.  CCA request sent 15/02/21, no response. Currently paying £55.00 per month (but struggling). What should I offer as F & F??

• Link Financial (Barclaycard) £5.3k.  Default removed already as defaulted in 2014.  CCA request sent 15/02/21, no response.  Currently paying £75.00 per month (but struggling). What should I offer as F & F??

Any help greatly received.   

Hi 

We have just in the last month paid a settlement with Santander/moorcroft. We had paid £1 per month for the last 2 years and the account had dropped off our credit file. They accepted 30% of what we owed with no issue.

We also have a barclaycard account held by link and they are unfortunately proving to be a nightmare to deal with. They didn’t even respond to my letters, I had to call in the end and have told us not to bother with counteroffers as they won’t accept any less than 70% (our other 6 creditors accepted 30%) . We’ve now put in a CCA request. 

I would leave link to the end, your other creditors are more likely to be reasonable based on my experience this last month.