My advice has hardly any legal foundation whatsoever, however you never know it it might just work! 
NatWest Prelim 07.10.206
LBA 21.10.2006
MCOL 30.10.2006
Acknowledgment of Service 06.11.2006
Offer of approx 50% £2200.00 22.11.2006
Full settlement £4500 received 03.01.2007
Smile settled in full
Barclaycard settled in full
RBS Worldwide settled in full
Lloyds TSB settled in full £750.00
Lloyds TSB settled in Full £275.00 11.04.2007
Lloyds TSB business account £1376.00 AQ filed
Lloyds TSB Business account settled in full 21.05.07