No, I didnt record calls, had no idea that was recommended...this is all totally new to me.. I have looked into the CCA request - am I right thinking if they cant supply the original agreement then its null and void? I guess my worry is if they DO have the original agreement, they will take back the 50% offer? Im a bit too fragile to cope with drawn out legal threats and wranglings

Which I’m assuming means I don’t have any other option but to accept their offer? I’m sorry, but what will sending them a CCA request do? What do I do with the information when it comes back?

Thanks for getting back so quickly The debts are 4700 to barclaycard, and 2k to Co-op loans. I have been taking to them on the phone, yes - I really wasn’t aware that was not a good thing to do The debts are quite old, taken out originally 8-10 years ago, and defaulted about 3 years ago. I last paid link around 2 months ago, I was paying a very minimal amount. I have no idea if they were regulated debts with the consumer credit act I’m afraid. Maxine x

Hello all - my first post, and Id really appreciate a little advice. I had a letter from Link offering 50% off my 3 accounts with them as partial settlement. The accounts would then be closed with no further monies owed. The debts are over 6 years old so not on file. I have been in discussion with them about closing the accounts for a while. Im not working due to health issues, and payments have been frozen for about 2 months. My partner has offered to pay from her savings. I offered 65% but they came back with the 50%. Its not a huge difference but its still alot to us. It would be so good to get rid them off my back, but now Im wondering if I should just hold fire and stick to my original offer. Any thoughts much appreciated.