Has anyone on here actually had personal experience of a debt collector chasing them for the remainder of a full & final settlement balance? If so, I would like to hear the circumstances of it.

Reading the The Law – ‘Full and final settlement’ - Voltimum UK - Electrical Installation Products and Contracting article, from this excerpt: Reads to me that if the creditor agrees to release the debtor from the obligation to pay the full amount, a full and final settlement for less than the amount outstanding would be legally binding on the creditor, though I'm no lawyer...

Well for both of my full and final settlements I have it in writing that they have agreed a full and final settlement and will not be pursuing the remainder of the balance.

Hi all I've been working on getting my detbs written off by means of offering full and final settlements on my accounts. So far I've written off 2 out of 8 debts and I've been in arrears for about 16 months. I was wondering what success other members have had using FFS to write off large portions of their debts.