Should i offer a Full and Final Settlement?

moneymabel

stapeley wrote: »

If the debt is yours , but only want to pay part of it , what,s the moral justice in that ?

The same moral justice that allows these companies to charge stupid interest rates and push credit onto people who cant afford it.

stapeley

moneymabel wrote: »

The same moral justice that allows these companies to charge stupid interest rates and push credit onto people who cant afford it.

Yes I do know ! I think through my threads on CC AGREEMENTS everyone is aware of my view !

moneymabel

So surely if someone can grab some of the interest back through getting a full and final its a good thing?

**Amy**

Stapeley - I think your comment to me was a bit harsh.

Basically I am trying to pay off the debt early. I do fear that some people may choose trying to get their CCA as a way of getting out of paying a debt that they know they owe, which isnt really fair is it?

I am not saying that everyone who asks for their CCA is doing this, nor am i saying that you yourself have done/are doing/ are inciting people to do this.

You do provide some good advice on your posts.

x

Sammy_Girl

**Amy** wrote: »

Thank you BH. I have just done the letter and will send out tomorrow when i have the address details.

:beer:

Hi Amy,

Can I ask what percentage full and final you have offered. I am thinking of doing the same, but not sure where to start. I guess start low

Keep us posted.

Thanks,

Sammy x

**Amy**

Hi Sammy

I have started at 30%. Im not expecting for them to agree to that, however it gives room for manouver really.

I will keep you posted no problem.

:beer:

**Amy**

With regards to this:

I have written a letter, and want to send it. Should i send registered/special delivery. If yes, they have a PO BOX address and a Registered Office address. I know you cant send recorded/special to a PO box so should i send to the registered office, or just sent normal post?

x

Broken_hearted

I send all letters recorded so they can't pretent they didn't get it.

**Amy**

So should i send it to the registered office address?

Thanks

x

Sammy_Girl

Hi Amy,

I sent a recorded letter to Capquest last week. That was to a PO Box address. I didn't know you couldn't send registered to PO boxes

I will check on the website tracker now to see if it was signed for, and let you know. It might be worth sending to both addresses.

Sammy x