Hi rebel11 Thanks for doing so

Hi thanks for reply, They are majorily credit cards or unsecured personnel loans. Initially took with hsbc, barclays and halifax, over 8-9 yrs ago and i have been paying them min payments as i am in debt management agreement. I have some money given to me which i was hoping to clear few debts via negotiations. But the offers they are willing to accept are much much higher then i can afford to pay. Pls advice

hi guys, i have written to all creditors/debt collection agencies to provide with the agreemnts and sent them postal orders of £1 per agreement, in addition all the letters were posted via recorded delivery. no one has replied and it has been a month now, where do i stand: 1: do i still wait to hear back from them as i have mailed them, fax a request and sent them additional follow up letter but no respond. 2: stop paying them, the negotiated agreed amount. 3: since they cant produce documents, am i in position to negotiate a reduced amount debt deal with them. 4: how much can i offer to settle the debt seeing that they dont have any documents. 5: can i get my credit report cleared on the basis that iam disputing the debt on the basis there is no documents available. kindly advice as iam really stuck. many thanks in advance

hi, i have requested the document proof from my creditors they have not provided no documents it is over 14 days, what shall i do? also where do i stand in terms of paying the debt or managing the payments. can i oppose that and get out of not paying. pls advice