To Mr & Mrs Meercat.....what a truly inspirational post....thank you for taking the time to type it all out. This morning after 7 long years on a DMP I decided to tackle my debtors by phone regarding F&F settlements. The money available is no where near the 26k I owe. I actually found that some of the anounts on my DMP where incorrect and today I saw 500 pounds come off my DMP amount....a step in the right direction to me. I just wanted to share with you all.....today I spoke to M&S, Moorcroft, Lowell, C L Finance, Blackhorse, Barclays Partner Finance and Robson way. I cleared my debt with M&S for half the amount I owed, the lady explained in detail it would be on my credit file for 6 years and only marked as partially settled but the debt was finished and the account closed. As my credit file will be in tatters anyway I decided to settle there and then. Moving On....Moorcroft. I spoke to a lovely gentleman who was respectful, helpful and above all treat me like a person and not ****. Lowell, where ABSOLUTELY TERRIBLE.....rude and very unhelpful...no shock there. CL Finance spoke to me respectfully but where NOT at all willing to knock alot of money off for F&F's. My biggest debt with them been 14k, only prepared to go to 12k also other debt with them for 798 pounds where only prepared to go to 702 pounds. Blackhorse where very free with their advice....not very free in offering alot off for a F&F BPFinance wouldn't even discuss my own debt in detail....making some excuse that I should really correspond in writing....i actually said I THOUGHT barclays where a big company Finally onto Robson....the girl there actually asked me my BANK DETAILS!!! Can you believe that!!! I said that had nothing to do with my query and ended the call. After a very long day and in discussion only I would only be able to settle my 26k debt at 22k!!!! I was hoping for much less than this and have posted this to say I feel fed up and very alone. I was full of fear and hope this morning....hoping that I would be able to shave bigger F&F's off these debts.....are these people getting wise to people asking for discounts. I am TOTALLY down in the dumps....I thought these people wanted to collect and get you off their books.....I was wrong, they will hold on for as long as possible to collect your debt. I have a further 6 years remaining on my DMP and god knows where I'll be then.....but I am already very depressed.....hope these people don't make me do something silly because believe me I have considered it!!

Also in addition......the CCCS have been great but they are sooooo keen to keep everyone on DMP's and pay the full lot back.....even when I've told them I've been ill, depressed and stressed they just say debt is stressful.....I know that and they have/are MEGA helpful but I feel I need extra advice

Sorry.....unsure what history you need to know the 14k debt with CL Finance was a Halifax Loan but I've never had a statement from CL Finance regarding this debt.....my 3 other smaller debts with CL Finance I get monthly statements with my DMP amount coming off but NOTHING for the big one. I didn't actually know it had changed hands until the CCCS just started paying them so I'm assuming they informed the CCCS. I am a complete novice when it comes to sorting finances out....yes I know NOT STUPID ENUF TO GET MYSELF into the debt but I've learned BIG LESSONS and never want a credit card or credit in my life again......I would love to sit down with someone show them everything and have them deal with everything that you guys are talking about as I know I will end up waiting the 6 years and paying the full LOT and MORE than I should because i don't understand the logic of these people who try and feed off your misery!! What I don't understand is, if you're paying into a DMP with the CCCS and these people are taking the money EVERY MONTH then surely they have to prove they are the current owner of that debt BY LAW??? PLEASE don't laugh at me guys.....I'm hopeless and feel very helpless and alone!!

Thanks Silverfox.....great advice. My M&S, Blackhorse and Barclays Partner Finance are all the original Debts.....the others are DCA's. Could they fax me a reply if they where willing to accept an offer by the 7th July? Is this enough for me to make a payment to them? Sorry for stupid questions.....I am confused.com. What a world we live in when we have to consider all this nonsense when trying to actually pay something back on our debts ie are they authorised to collect the debt, will they persue you in the future if you don't get "satisfied" or "settled in full" on your credit file......Wouldn't it be so nice to call, make a payment (come to some arrangement if you can't afford the full amount or an arrangement) and KNOW that when the debt has been dealt with it's been dealt with END OF......no bite you in the bum tactics later down the line. I have to say I can't see one of my debts been cleared by the 7th to be fair

How are they on accepting settlement figures? Also if anyone has any advice on if the following accept settlement figures I'd be very grateful......newby and still learning so please bear with me: My debts in total are 26k my relative GENUINLY has offered 8.5k to clear EVERYTHING or NO MONEY and by the 7th July or they have their own plans for the money I pay into a DMP but have been doing for 7 LONG years now....with what I'm paying now there is 6 years left but I cannot stand this any longer after not sleeping and the chance of starting fresh with this very generous offer from my relatives SO my question is DO YOU THINK I HAVE A CHANCE IN HELL WITH THE MONIES I HAVE AGAINST THE DEBT I HAVE? and my debts are with lowell, M&S, Moorcroft, Robinson Way, Blackhorse, CL Finance and Barclays Partner Finance.....do I stand a chance with any of these people? heard so horror stories about all of them to be fair....please give as much free and open advice as you can I'm ready to listen!! Thanks guys

Thank you:???:

hi everyone, Please excuse the way I go about this....I'm a TOTAL NEWBIE to this kind of thing but hoping for some great advice:welcome: I have debts with CL Finance....my biggest one been just over 14k.....a very concerned relative has offered to clear this debt with a total of almost 5k and I have written to CL Finance with this offer. It has only been 10 days since my letter BUT my relative has now said if it isn't accepted by the 7th July, they won't give me a penny.....I don't know what the hell to do? Do I call them as a follow up to the letter? Is the offer deemed good enough? I have heard absolute nightmare stories about CL Finance and I am beside myself with worry to even pick up the phone to them!! I haven't slept for months and I'm constantly depressed and withdrawn from my lovely family. I've started making myself sick because I can't think of anything else!! I do have other smaller debts with CL Finance which my relative has also offered to clear with a F&F figure and I have to say regarding these smaller debts I have always received a letter/statement every month and they just deduct the money I pay into my DMP with CCCS but I have never had ONE statement from them regarding my large outstanding amount. If the 7th July comes and I haven't had any contact then my offer of help has gone. I am looking after a sick relative away from home at the moment too so I have asked for a response to my letter via my email.....can anyone offer me any genuine advice? however harsh.....thanks guys