Full & Final Payments

Hello

Couple of Questions:-

1. If offers are accepted and the account has already dropped off my credit file, when the creditors mark it as part settled with zero balance will the account reappear on my credit card again for another six years??

2. I rang PR Group about two accounts with themselves, they offered 90% on both and advised that they don't negotiate lower. Then when I checked my post, they had sent me a letter a few days previous offering me 50% on one of the same accounts. When I rang them they said that they can only say 90% over the phone, this I challenged as it was clearly noted on my file that the 50% letter had come out. They said they would honour the letter but I can't pull the cash together in time for the expiry date, they said that i would then have to approach them again. Has anyone had anything like this??

3. Best approach letter or phone call??

4. Barclays select owe 18k, rang me two years ago and offered me 12k to clear it, I was not in any position to do so. As my parents are trying to help me I rang them this week and they wouldn't give me a figure over the phone. They said they don't work like that anymore due to the fact that people were borrowing to pay these offers back. Ummm anyhow he said that they would send me a form to fill out to check my finances. Have received this today and its a budget form, just like my stepchange budget. Do I complete this or send them the budget completed at stepchange?? As I won't have the money from my parents for a couple of months should I just back off and send letters to everyone once i know how much my parents are offering?

Thank you guys, your all great x:T:T:T:T:T:T:T