Hi, Long story short... Have a very small debt to Vodafone of £130.00 that has been passed to a company called Credit Solutions .. only about 2 months ago..Anyway last Friday I got a cheque that once cleared I would be able to settle this.. So I called them last Friday and informed them that once cleared this week I would call them to settle in full, probably Thursday this week..They agreed that was OK So I get a call today, Tuesday, evening. "hello mr xxxx, i am calling from Credit solutions, for Data protection can I take your post code, 1st line of address etc etc.".. I supply said details "thankyou Mr xxxx, I need to now transfer you to your account manager " > Someone new CS - "hello, whats your post code" ME - "i have just given that to your collegue who transferred me" CS- "well I want it now, post code! " (very very aggressive) ME - "I am sorry, if you(empahsis) wanted it you should have called me first" CS - "are you refusing to give me your post code" ME - " I have already given it to your collegue who called me" CS - "YOU HAVE HAD ENOUGH F**CKING TIME TO PAY, I AM GOING TO SEND SOMEONE ROUND YOUR F**CKING HOUSE" With that he hangs up..... I called back to complain, they SAY they are going to get a manager to call me, I wont hold my breath, but they are not getting paid until I get an apology.... Whats my chances ?? slim no doubt.. ! But beware..........

Excellent, thanks sequenci, thats a great Link.. I think the 2 barclaycard debts have been "bought" as they have both offered me "a substantial discount", without ever committing to how substantial is substantial !!.. The Largest one is still with Egg though I think I think I will do the calcualtions as suggested and offer, you never know your luck I suppose !

Thanks Trojan, appreciate your help

Hi Guys, I wonder if anyone has had any experience in offering full and final settlement offers to any of the DCA's... I have managed to beg and borrow from family and friends and sell a few things in order to try and clear debts owed from old credit cards dating from when I had a fairly decent income from a business I was running (which went bust last year, and since then I am skint !) and am ready to make some offers, but I cannot raise anywhere near the full amounts due Trevor Nunn (Egg debt) £12000 Westcot (Barclaycard debt) £3900 Debt Managers Ltd (another Barclaycard) £1800 How much realistically can I offer ? I am still going to have to pay back family eventually (even though they wont be on the phone ten times a day !!) so dont want to offer more than I might need to.. I should be able to raise about 8k Any thoughts of past experiences much appreciated !

Hi Guys, I wonder if anyone has had any experience in offering full and final settlement offers to any of the DCA's... I have managed to beg and borrow from family and friends and sell a few things in order to try and clear debts owed from old credit cards dating from when I had a fairly decent income from a business I was running (which went bust last year, and since then I am skint !) and am ready to make some offers, but I cannot raise anywhere near the full amounts due Trevor Nunn (Egg debt) £12000 Westcot (Barclaycard debt) £3900 Debt Managers Ltd (another Barclaycard) £1800 How much realistically can I offer ? I am still going to have to pay back family eventually (even though they wont be on the phone ten times a day !!) so dont want to offer more than I might need to.. I should be able to raise about 8k