Hi, I'm new to this site: I'm advising my Dad as he is very distressed about current situation and can no longer face delaing with the situation after months and months of harrassment..letters..phonecalls..numerous times a day. He has received an offer of settlement from Calders/mercers on behalf of barclaycard and morgan stanley. However, they wil not put this in writing and suggest he must respond to the offer (approx 50% face value of debt) by end of the week. Questions 1. what is your experience of such offer? 2. what is the legislation or protection so that we can get the offer in writing? 3. what should the next step be ? 4. are they likely to take my offer to settle and then pursue me for the balance ? I am very dubious about such offers and would be grateful for comments/advice on the above. Thanks