Full & Final Settlement advice in Debt management and Debt self-help Posted February 2, 2017 I have now finally repaid all of my creditors & want to put up what I did in case it helps someone else. 1. I wrote to all creditors asking for copies of credit agreements and statements 2. I reclaimed £2000 in PPI from Llouds & £250 in bank charges from them 3. I then wrote to all creditors asking them to write off my debt - Hoist were the only one to agree 4. Next, I wrote offering just under 20% of what I owed to the rest & this is how I got on: Company Balance Accepted % Hoist £8903 £0 0.00% Apex £7,200.73 £2854.46 39.64% Barclays Bank Plc/EGG £1,122.45 £446.968 39.82% HBOS - New Record £8,448.40 £6250.71 73.99% Lloyds Bank plc £2,681.15 £1328.56 49.55% NCO Europe Ltd £1,087.70 £194.76 17.91% PRA Group Ltd £1,240.48 £491.716 39.64% 30,683.91 11567.1815 37.70% HBOS were by far the most difficult to deal with. They would only respond to my letters if they were sent recorded & they just wouldn't budge. I realise that some will say that I shouldn't have paid any & fought them all the way but I now don't have to worry about letters arriving through the door, phone calls, my employer finding out etc. Thanks everyone for all of your help. Joining this forum gave me the confidence to tackle this.