Hmm yes, well I have instigated the F&F's to be honest. But yes actually the Apex ones approached me? Shall I ask all for CCA's on all my debts even the ones which are still with RBS? Thanks dx you are right if they are not the credit file, I should just pay them the token payments until I die! I fact I am going to cancel my plan with the DMP and offer less to RBS to force their hand to accept an F&F!! Thank you for all your excellent advice!

Thank you all so much for your info. This is priceless info. Yes DMP is with B&E, yes I know a fee paying DMP, soon to be changed to a non- fee. The reason why I need to get these debts paid off is, I want to buy my council house next year. One of the conditions of being able to buy the house is that you are not allowed to have debts with any creditors. So although these debts are 10 years old and don't appear on the CRF, they still need to be paid. All in all I have paid £140,00 per month for about 75k worth of debt. I really thought I would have got some really low F&F acceptances. I started offering them 15% on all of them from last year. I know it's a waiting game! But time is running out! So far the best offer was 30% of the debt. And RBS are claiming to still want the remaining balance total of 20k across a loan and 2 credits card. But what has been interesting is that another RBS loan being collected on behalf of Apex. ( so apex didn't buy the debt) are happy to accept 50% of the loan. Is that a good F&F or are Apex trying their luck. What should I reply to them?

Many thanks for the prompt advice. So can I clarify something? At it stands the RBS loan debt and RBS credit cards do not show on my credit file at present. If I do come to an arrangement with a F&F payment. Will RBS update the Credit file with partially satisfied and Will that update be seen on my credit file in 2013- 2019? I hope I have made my question clear. Thank you again.

Hi there I have an RBS loan of £19k taken out in the year 2000, is it enforceable and how will I know? I have been paying it off since 2005 through a DMP. Same as the 5k credit cards x2. They are still with RBS and I have claimed charges and PPI from them in the last 2 years. I just want to get rid of these now and have been in a position to offer them at least 40% of the debt by offering a F&F payment. They are refusing to negotiate with any F&F payment. Any advice? I am tempted to bankrupt these to force their hand? I have no assets as I rent through the council and have a £600 car and currently a student so not in a great financial position, apart from the F&F payment I have offered.

Hi the DMP is with B&E, I know I hear you say why? I realise it's a fee paying company. Soon to be changed to a free DMP. Ps can you answer me this question? Can't find the answer anywhere? All of the said debts apart from the CCJ in 2012, have fallen off my credit report. Once my F&F settlements have been agreed and paid. Does this update go back in the report as a settled marker this year or won't it show as the debt fell off the report 9 years ago?.

Ok, thanks for advice. Would I post them separately in this part of the forum or some where else? Sorry newbie here.

Hi fkofilee, thanks for your reply, wow very speedy thanks. Sorry I forgot to say I did use the forum letter on F&F offers. So I initiated the start of F&F payments, ( they didn't just contact me out of the blue). My offers to them started back in January this year by offering originally 20% of the debt and they were the offers back to me. I have held back from contacting them again in the hope they will say ok we will accept it! ( this strategy worked for one debt and managed to get that settled in full on 30% of the original debt). So you think I should SAR them all. Also I have done all PPI on them and kept the money towards paying the said debts off.

I am completely new to this site, so please move it if it is in the wrong place. I am really hoping to get some personal advice. I have used this forum over the last year taking advice from other peoples similar situations and managed to start getting my debts reduced with F&F payments. Ok this is what I still have: ( well between us). All these debts are pre 2007! Currently managed through a DMP Wescott Credit; OC MBNA with CCJ on file since 2012(as struggled keeping up with arrangements in 2011) debt £7988 Wescot offered an F&F payment to me of £4055- I refused Lewis Bradford; Aka CL Finance GE Capital ( Santander) debt £1075 F&F payment offered £900 - I refused Apex credit ; littlewoods catalogue debt £2600 Wants I&E - which I have sent awaiting response Apex credit; RBS loan; debt £9800 As above Triton credit services; RBS loan debt £19,508 F&F offered as in offers of 16k - I didn't respond as I had offered them originally 3k RBS credit card still with OC debt £5805 RBS refused my offer of £800 so offered £1800 max awaiting feedback RBS credit card still with OC debt £ 5200 Same as above Total debt £51,976. Have 23k to offer! And would like some change. Is this possible? Need to pay these off by 2014. It appears I am getting no where at the moment? Any advice?? I am currently at Uni for a year studying so have no income, but this lump sum to clear my debts!! Do I need to get any SAR's on them? Would that push them along?? Not sure where to turn now. I need all your great advice.