I had to reregister. I was pj2, but CAG no longer has a password renewal option (or it doesn't work, as the page doesn't exist), so there was no way I could get back into the forum.

After years of paying an old debt slowly,

Robinson Way sent me a letter:

"our client is today offering you a 50% reduction of the balance you owe in settlement of your account.

Paying XXX will clear your account and you save XXX and become free of this debt.

Please note that where this account is recorded on your credit file and you pay by reduced settlement, this will be updated as partially settled with a zero balance outstanding, and not as settled or satisfied

however our client will not pursue you for any remaining balance.

We may even be able to accept this over 3 monthly instalments...

when you contact us, one of our customer contact representatives will discuss your current financial circumstances with you to ensure that any reduced settlement arrangement you commit to remains affordable".

I would be very grateful for advice:

how can I make sure I can't be pursued by anyone for the balance and that the balance cannot be sold on to a DCA.

Shall I write and say I would like reassurance on this point specifically?

Also, how do I avoid full disclosure of financial circumstances?

Maybe email is better than phoning them but I don't see after years of paying that they have the right to trawl through my circumstances..

Could I just say, "I could raise" the money to pay it

(without stating whether I already have it)

and don't wish to discuss further,

but agree to their offer?

Thanks for any help.

who are robbersway's client?

dx

The client is Halifax.

I've received letters before saying "contact us, we may be able to agree something", but this is the first I've received specifically offering 50% off.

then get an sar running

get all the statements

and get reclaiming the rest of that 50%

if the OC is offering 50%

that means theres FAR MORE to be reclaimed thn that.

what type of credit?

It was an old credit card debt,

I did the SAR and all that years ago.

The balance has been frozen and I've been paying a set amount each month.

I'd like to pay it off half and see the other half wiped clean,

but don't want to be doublecrossed by Robinson Way.

they asked me to phone them, but I'm not going to do that.

Maybe I should suggest a 70% writedown? And payment over, not 3, but 6 months, in order to get them negotiating on my terms?

are you SURE Robbersways client is Halifax?

it very rare for them to to chase for OC's nowadays

they usually are simply mounth pieces for their parent company hoist/HPH2 ltd.

does the recent letter def say out client Halifax are offering...

oh and you shuld never even be paying or dealing with a powerless DCA if the OC still owns the debt.

they are NOT BAILIFFS.

deal ONLY with Halifax if they still own the debt.

dx

Yes, the letter says "due to Halifax, amount due XXX", and says "our client is today offering". But I will email Halifax instead! Thanks for the suggestion.

i'd be wacking those penalty charges and any PPI into our statint spreadsheet

and seeing what the total is!!

I gather this vanished from your credit file moons ago?

so cant ever comeback anyway?

old and new usernames merged

your old threads can now be seen