How do I go about sending them a CCA? Am I right in assuming that before I offer any settlement I should at least find out who owns the debt (for instance does the bank still own it or does the DCA own it) before committing to any settlment. I will go and hunt down CCAs in the search box, thanks!

They are all with DCAs and have been for around 5 years. One firm in particular, Intrum Justisia, offered me a settlement figure of 50% back in February which I couldnt accept at the time , but now its 80% - I said "Why cant you accept what you offered in February" and they told me theres no way the "litigators" would accept it. Thanks for the replies

I rung my creditors at the beginning of the week to ask for full and final settlement figure to give me an idea of how much I would owe if I got the money to pay the lot off. Once they have given me these figures, is it ever wise to try and negotiate further and if so, what is the best way to do this - by phone? letter? These are debts that are going to take years to pay off at the current rate Im paying them so I would assume they want to release them but no one is offering me any less than 78% settlement at the moment. Thanks in advance. Digs