Making a final settlement

Bargin_Betty79

Hi,

I'm hoping someone can help me with offering credit companies full and final settlement on some of my accounts.

I've been trying to negotiate these over the telephone and even tho they seem very helpful most of them are sticking at settling the debt at 85%, I've tried pushing for less but they all seem to have 'guidelines' they need to stick to. These debts are for small amounts and I'm currently making reduced payments on a DMP, I'll be getting a bonus at work next month and want to put it to the best use possible.

Capital one £383.21 - they offered £287.00
CL Finance £267.08 - they offered £227.00
Reliable Collections £321.49 - they offered £245.00

Is it worth sending in letters offering what I can afford?

Thanks

debrag

I'm also wondering about this I have small debts I want to clear at the end of the year. Not sure how much I really owe being in a DMP and all. Have a feeling that my OD is more than payplan say it is.