Spoke with the debt advisor today she thinks there would be no point in offering less than 75% minimum and even if some are accepted it would only shorten the das term and not reduce the payments at all So guess i will just have to stick with it for just now

20k bank loan Lloyds 3.5 overdraft Lloyds 1.5 cc Lloyds 4K cc Rbs 3.5k cc Barclay card 1k cc Halifax 1.5 cc vanquis 1k cc bos All with original creditors no defaults and no missed payments Don't see why it was a silly idea to go in a das as I was paying every month but had no money left to live on and felt there was no other option left to try and clear these debts the only reason I can get some money now is my father has been diagnosed with a terminal illness and is offering some money up to help

just looking for some info really I have recently started a das in march 2017 for a total 37k the thought of these debts still bother me all the time and I constantly think about them so looking to clear them asap really What I'm really wondering is can you make full and final settlement offers whilst on a das and what sort of percentages are likely to be accepted Also can you pay off some of the creditors to reduce the monthly payments of the das I think I can get a hold of around 50% of what I owe and keep reading about people paying off large debts for less that 50% of what they owe