Help with offer made by Lowell

VICBEE99

Hello, apologies if this is the wrong part of the forum to post this, I don't post very often.  I've had a debt hanging over me since 2005.  I've got £8000 outstanding which I've been paying a very small amount off monthly to Lowell who've had the natwest debt for around 4 years. They have written  an offer letter for 50% discount. From reading other posts, this seems very reasonable but I'm wondering if I should put an offer forward for more discount or if you think I should grab and run with this one. I really want to get this debt off my records as it's blighted my credit history for too long and want to get a clean record before buying a house in a few years time. Any experience of dealing with Lowell and will they negotiate? They've offered 50% off and payments over a year to settle. Also, should I ring or put in writing. They have a deadline of 7 Dec so don't want to write/email and it take ages for someone to pick it up. Any advice much appreciated. Thank you.

peb

Hi, your are better off posting in the main debt free part of the forum.  People may know what Lowell will accept.

VICBEE99

I can't see where to do that...