You have no chance of getting the debt wiped off if your account was opened in 2010. What reduced payment have they offered you without Interest? What is your bal and current payment? I suspect you will have to accept the reduced payment (they will reduce without Interest but repayment will usually be higher and for a shorter time).

As a little woods (SDG) ex employee I think that the advice on this thread is awful, please never ignore letters they send requesting payment (not if you value your credit rating anyway). If you have never missed a payment before and you need reduced payments then you should call them first of all, they will offer you something, it may not be exactly what you want but will be reasonable, if you honestly cannot afford the reduced payments then you could WI (Sandringham House) is the correct address if you send it elsewhere then it will be forwarded to Sandringham House. They will only ever take off one LPC but you may get more removed if you write to the CMT (they will only do what is reasonable tho). My advice is to work with them and not against them. Little woods don't normally charge Interest but they may offer you an IBC scheme if u are unable to pay, Very charge Interest if you choose not to pay over the Take 3 scheme.