I value all your opinions, that's why i am on here, to get help but i'm sorry i don't understand 'cash cowed'?

Just to be clear, I e-mailed the DCA offering to pay the amount of the debt that I actually owed in F&F settlement, they wrote back saying that they would have to take advice from their clients, that took 4 weeks, they came back saying that their clients would accept 85% of the total debt, I wrote back saying that was too much and re-iterated that I only actually owed them nearly 40% of the total they sent me and offered this again, they have now written back and offered to settle for 60% in full and final settlement, no more correspondence blah blah will take you to court! I can't go to court as not in the country and they know this.

No, I acknowledged part of the debt as I do owe part of the debt, although it was their mistake from the beginning as the overpayment was down to their error, even after querying it they told me that I had been paid correctly. It is definitely not statute barred. I thought that they had recovered the true overpayment from the last payment of maternity pay but wasn't until a year later when they sent me a breakdown that i realised they hadn't. I have e-mailed pay services again to find out if they know anything about this reduced payment amount, am waiting to hear back from them now.

http://www.consumeractiongroup.co.uk/forum/showthread.php?379947-Debt-due-to-overpayment-of-contractual-maternity-pay&p=4388930#post4388930 This is the whole story, so long to go into They sent the debt to a collection agency as I refused to pay a debt that i didnt agree with. I am out of the country and couldnt get to court, but i am moving back and dont want a debt over me, I wrote to them and offered F&F and after a couple of e-mails back and forth they came up with a figure from their 'clients' saying that they were willing to compromise and accept this, I am willing to pay this to get them off my back, its the government and i really dont have the energy anymore to fight them every step of the way, I just want to know if they write to me with the heading 'without prejudice' saying that they are willing to settle in full for the amount they say and that they will take no further action if that would be true the company is Coltman Warner Cranston. I know its fishy, the whole thing has been fishy from the beginning, they didnt tell me for 12 months that i had been overpaid, by which time i was on a career break, but i just want it sorted before i move back to the UK. I will try the pay services again and see if they have agreed to the settlement. Thankyou for all the replies

I've tried contacting the original creditor and they wont respond other than to tell me it has been passed to XXXXXXX, I am fed up fighting them and am prepared to pay what they have stated, I just want to know how the letter from them should be worded so that they can't come chase me in future for any more? Why should I not pay the DCA, I don't understand?

Thanks for the reply, I'm just not very trusting with these people and wanted to know even though they have stated that the payment , if made by me, would be in full and final payment of the 'debt' could they chase the rest in future because of the wording of their e-mail? They even addressed the letter that they also sent, to an old address, despite my true address being on the last letter from them and them e-mailing me recognizing my new address! So distrusting these days

Hi, I don't know if I am just being cynical but I have been dealing with a DCA over an alleged wages overpayment debt from 2007, I wrote to them and made a F&F offer, they refused it, I wrote again upping the offer to the maximum I could afford and they wrote back telling me what they would settle at, after speaking to my hubby he has agreed to pay this off, my problem is that they sent their e-mail (this is how we have been corresponding) with the words Without Prejudice at the top, does this mean that they can still chase the rest of the 'debt', or can I pay it and be done with the 'debt'? Thanks