Tommybish
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hi im new to this site so looking for some advice iv had a credit card through virgin money for the past 5 years after years off paying the minimum payment for a long time i thought enough is enough and offered them a full and final settlement figure my debt is £4.600 i offered them £2.000 which was rejected So they offered me a reduced interest rate off 9.5% i was paying 33.4% Then they gave me a second option off a £3.500 settlement Can any one help me making my mind up what to do please because im well out off my depth Thanks
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