Hi Littlebea, I have been reading the site with interest, but still planning my approach. I work within the finance industry and can not afford to impair my credit file and have an excellent credit file. However, I am self employed and business is tough and may also be able to offer MBNA a FAF, but like you not really happy with a 'partial settlement'. Can I ask was your account all ok up to the point of making them an offer? Cheers Pedro

Hi Dpick, i am new to this forum and finding it very useful. Are there standard letters available to send to the CC companies? I have never missed any payment on any loan or CC and have a good credit rating. But, like many people times are tough and I can not say that will be the case for the future? Some questions if I may: if I send these letters, but in the meantime continue to make the correct repayments, will the CC company increase my interest rate? Will this mess up my credit rating? I work in Financial Services and need a clear rating? Thank you in advance for your help. Pedro1966