Would this letter be okay? WITHOUT PREJUDICE: Dear Sir/Madam Re: Claim number: XXXXXXX I write with reference to the money which you are claiming on the above account. I can confirm that I am unable to offer to pay the money which I owe in full. A relative is prepared to offer me £1300. I want to offer this sum as an ex-gratia payment, in full and final settlement of the account. The offer from my relative will not be available forever and my relative will not make the payment unless the offer is accepted. I feel that this amount is fair for both parties as XXXXX should take liability for their own HR mistakes. I also dont feel I should be liable for fees as they were added on before I had any knowledge of the claim. This offer is made on the clear understanding that, if accepted, neither you nor any associate company will take any other action to enforce or pursue this debt in any way whatsoever and that I will be released for any liability. I also request that, if accepted, you will make an entry on a credit reference agency file relating to the above account as "satisfied" in full. Payment can be made within 7 days of receiving your written agreement of this offer and method of payment. I look forward to receiving your reply. Yours faithfully

I received an initial letter in November and went to see Citizens Advice who told me to go see a debt charity who I managed to see in December. It would have cost £80 to file a defence on the website which I didnt have as I have been getting overtaxed. I kind of buried it under the carpet a bit because I was stressed, which is my own fault, and received another letter to work towards the end of December whilst I was on Christmas leave. When I came back I had a letter saying that the court judgement had been passed and I needed to pay it by 31st January. The company knew I was going travelling and I didnt have a forwarding address because of this. If the company agrees to a settlement then wont it be taken off my record?

Yes, I left my job to go travelling. I was out of the country from August to March. When I started this job in October they found the address and sent a letter here.

The letter has already come saying that I have until 31st Jan to pay it and then get taken off the register (?). I am in my mid twenties so being unable to get credit would affect me when I eventually want to buy a house, so I want to settle it in time. Also they contacted me at my work address and I am worried about repossesers turning up here and the whole thing is causing a lot of stress. Unfortunately I already mentioned the loan option to them in an email yesterday, but the amount I would be able to borrow is limited. I currently earn minimum wage.

Thank you. I cant see the redirect - where is it?

I found out a couple of months ago that I was being chased for £2866 from a CCJ. It was to do with a work overpayment a year ago. I have recently received a letter from the court saying it has to be paid by the end of Jan. I am going to take out a loan to pay it and suggested a settlement. The debt recovery agency has asked me to suggest an amount. How much should I say? The debt is for £2866, some of that was added to it which I think is unfair as the company I worked for never contacted me before I heard from the CCJ. Also as it was overpayment I feel that I want to suggest half of the original amount which would be about 1300. I think this will be rejected though. What should I do? Does anyone know how much the agency will have bought my debt for and what is likely to be accepted? I want to get this out of the way but obviously taking a loan out I dont want to pay any more than I need to. Thank you