Part Settlement Offers

tigergambit

@freddie2020 You really need to calm down a bit. You have requested CCAs. Doing so puts accounts on hold until you get a definitive response. At that point you will make F&F offers which will again suspend accounts.

Stop thinking of 50% payments. Your starting offers should be in the region of 20% max and negotiate hard from there. You may be surprised how many can't supply a CCA or will be able to but will settle below 30%.

sourcrates

freddie2020 said:

Probally overthing asourcrates said:

You may be over thinking this process somewhat.

Best not to speculate on what "might" happen, just deal with things that "do" happen.

Probally overthing again as you said...

However if request a CCA, whilst at same time dropping DMP payments to £1 per month.

Might the creditors be wise to this tactic?

1.  Request CCA...  hopefully cannot produce it....stop paying DMP
2.  Can get CCA.....drop DMP to £1 per month - in the hope of lower F+F later

Might the creditor then start a CCJ?  As can been seen trying to either stop payments (no CCA),  or get a lower F+F in the future?   So they might try to grab what they can with a court case...

Thanks

@freddie20 The advice in my last post on this thread still stands.