Help with a full and final settlement

bcs7

RAS said:

I'd suggest you pay what you can afford, making sure things like emergency and fighting funds are adequately covered. 

Then ignore. Wait for them to make offers to you. Ideally you want those debts sold on a couple of times as well. Making F&F offers at interval just encourages them to play hardball.

Yes, I've already reduced all my payments on the debts so at the current rate it's going to take over 16 years to pay off. I've got an emergency fund building up.

The cheapest debt is with Intrum and has already been handed over a few times but all the others are with Link and came straight from the debtor (1 from Barclaycard 2 years ago, 4 from Lloyds just last year). I think this is why the CCA was fairly straightforward for them to produce.

I have noticed that the 2 debts they seem to be playing hardball the most with (90% offers) are a bank overdraft and a bank loan. All the other debts are from credit cards so I assume there's some rationale behind the scenes of them being more eager to get fast money out of the CC ones and so offer better discounts.