what to offer full and final settlement - debt from financial abuse

sourcrates

You can do anything you wish, but these things tend to move very slowly, especially write offs, they may put your account on hold for 6 months, then re-evaluate, that`s the way it is unfortunately, things don`t move very fast in the debt world.

Lifebegins123

Thanks for the advice @sourcrates. I spoke to my GP as it’s really affecting my MH and they’ve referred me to local debt advisor so maybe they can assist. 

Floss

NatWest refused my write-off request (I'll health) but have said they will no longer chase payment in my lifetime. So basically I don't pay them anything, but it is still on my credit file.

Lifebegins123

@Floss yes if I didn’t have to get my mortgage transferred into my sole name I’d be happy with that outcome but I will need to have no debt outstanding for the mortgage. 

NatWest have retained the debts for years and haven’t sold them on (I was told earlier in the thread due to my DV circumstances) so Im not even sure if I could make them an offer for settlement like with a DCA. It doesn’t seem fair, they retain your debt for DV purposes then won’t write off or settle so you’re worse off than with a DCA! 

I’m wondering if it’s worth asking them for the CCAs as one of my accounts is almost 30 years old and the other is 17 and using that to ask them to reconsider and perhaps with more info/evidence on how debt occurred due to DV and evidence of how it has/is effecting my mental health. 

Any advice on how to proceed would be gratefully received.