HI Dx - remember you well from all the help over the years and it was always much appreciated Got on top of the PDL issue and went after them all for irresponsible lending - got about 5k in total back from them all and it would have been more had they all not shirked into Administration - Down to my last 24k of debt from the original 45k, its been a long road but to be honest I've made sure ive smiled throughout it all. All that's left are 2 loans (alpha credit solutions, CABOT - was ZOPA) and 3 credit cards (CABOT, WESCOT, LINK) - all paid through SC - 2 capital ones and 1 barclaycards, did CCA and they all returned signed copies of the original agreements. hope your keeping safe

Well ive now took them of the DMP so they wont be getting another penny - see what happens when the letter start

Haha thank you My point was more of if they have given me an offer in writing can they claim it was done in error and the debt is still enforceable of does the email now form a contract which has been forfilled? has this ever happened to anyone else?

Yes all I have is that email - I have paid the requested amount and emailed them saying I have accepted the offer, paid the required amount and now look forward to confirmation in writing the account is now settled and see what they say

Unless its a mistake on their behalf?

Yes Was a 1200 quid Barclaycard CC - been paid back through a DMP with Stepchange, amount owed is under a grand and then i got the email when requested settlement, to me they have put an offer in writing and i obliged?

Good Morning. Hope you are all well and keeping safe. I am paying back a debt through a DMP to Link and I was in a situation to get a settlement fee for an amount which is a small 4 figure sum - i received the following by email Unfortunately we are unable to accept the sum of �0.00 but we would be prepared to accept the sum of �8.98 in settlement of this account. On receipt of cleared funds we will close your account with no further monies owed and update your credit file as partially settled. Payment should be made to Sort Code 40-05-30 Account Number 54192761. Payment should reach our office by 17/04/2020. If I pay them £8.98 have they no legal recourse to come after me for the rest considering its an offer in writing? would appreciate some guidance please Thanks Pb8111

Just posted them, but i am a patient man - if i dont get a response all the letters are saved on my desktop so ill send them again recorded

I read with great pleasure a gentleman on another thread who successfully claimed back over 8k in fees from Quickquid after taking after multiple loans. I was in the same position pretty much as the gentlemen in question and was offered 350 quid in 2015 for full and final settlement which i may now have stupidly accepted. Do I have recourse to go back for another claim and say this was not considered correctly? would appreciate some advice, also in the same position with Wonga, accepted a fraction of the interest payoff paid over some 20 loans with them.

Letters sent at dinnertime - see what we get back, thanks for helping and im sure i will need help with advice once i get the responses.

Thank you, ill get them sent over the weekend

II had two credit cards with C1 - i think one of them was through a broker which ended up being Crap1. Need to find a template to send for the charges and interest and fees etc if anyone has a template. Will get them a letter sent off, need to do the same with Alpha as well if they have the credit agreement etc Just checked and my barclaycard CC - £1100 is with a Cabot financial? The debt peaked at 45k and managed to get 10k of it paid off but if im being fleeced blindly then i need to start getting some letters sent ASAP dont I, Ive told Stepchange this month that i am receiving legal advice so wont be making this months payment until Ive had some replies...

thank you for your responses. The Moneyway was a personal loan sold in 2014 - i do have the credit agreement which i can dig out if need be. Also repaying a Zopa loan through DMP - originally amount with Interest 15k, now down to 8.5. Paying Link Financial for OD on Halifax and HSBC 2k owed to Capital one for 2 x credit cards.

Good Evening Renegadeimp. I wouldnt know where to start, in my opinion i borrowed X and havent paid back Y - I would welcome any advise this forum can offer in the next step, despite making numerous payments the debt still stands above 13k.

I took out a 10k loan with Moneyway in 2014 which is now been paid back through a DMP with Stepchange, I received a letter to say it has been transferred to Alpha Credit Solutions, who are these people and what can I expect next - I literally cant find any info on ACS Thanks PB8111