Thanks for the responses and advice. Called the CAB today and the person I spoke with was amazed at their behaviour. She said she had never heard anything like this. She felt that if they made a mistake then it should be their responsibility to put it right not mine. Got a meeting with them next week in order to pass on the information to their specialist team. Will wait to see what they suggest. Will still do the CCA and SAR letters though. To answer a few of the points raised. My DMP was originally with Brightside and got passed to Debt Confidential just over a year ago. The switch is what caused me to take action as they kept harassing me for income/expenditure and wanted all sorts of documentation to go with it. I never got this from Brightside and found it very intrusive and negated my purpose for having the DMP in place. I realise that the DMP prevented the debt from being statute barred. But right at the beginning two of my creditors went the CCJ & Charging Order route, so felt it better to get on a plan to keep the others quiet. It’s just laziness that it continued for seven years. I agree that DMCs are not much better than DCAs and they were charging way too much to manage the plan. It did keep everyone off my back however and allowed me to repair my financial condition. I realise I could have tried other methods and not paid anything, but I just wanted the quickest method of drawing a line under it and moving on. I’d love to have it all written off, but I did borrow and spend the money, so I figured I can’t really complain about having to pay something back. This action has changed my opinion however. I will take into account the advice given here and hopefully won’t have to pay a penny to them. I still have a bank account with NatWest which I shall be moving. I will also be doing that PPI claim against them which I have been too lazy to pursue.

Just over a month ago I agreed a settlement amount for my NatWest Credit Card with Moorcroft. It was for 65% (£4054 on a £6237 balance). I got them to send an offer letter, made the payment and got a payment receipt. The other day I receive a call from them saying that they were not authorised to make the offer for that amount and that NatWest have rejected it. They were apparently only allowed to offer 80%. They were pressuring me to take my money back and make new arrangements or pay an extra £900. I said I didn’t want to agree to anything until I have taken advice. They refunded the £4054 payment back into my account anyway. Before the money was even back in my account, they started calling and emailing to get me to set up a new arrangement. Again I told them I am not doing anything until I have taken advice. They insist that 80% is all they can do and that they cannot put any lower offers back to NatWest. I find this incredible - I have settled 5 other accounts and they were all far more generous than this - ranging from 50 - 70%. I also find it incredibly galling that I should have to pay such a large amount extra after already believing the account was settled. The debt is over 7 years old and has fallen off my credit report. I have been making regular payments over the 7 years through a Debt Management company. I’m assuming they can legally cancel the settlement by refunding the money despite me having letters from them saying the account has been settled? Anyone have thoughts or advice on what to do next? I’m thinking of doing a CCA letter.