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.

Thanks Fletch, some good advice I wish I had put in my 20% offers, all had sent a CCA hence the offers to them. I will try & get the IF agreement mock uploaded.

just wondering if it is worth doing it now or waiting until I have a mortgage' I didn't think you would get a mortgage if any dmp/arrears/default was showing on your credit file?

I know it has been a while since updating this post but I had written to all creditors asking them to write off my debts and wanted to give them some time to respond. One has agreed and another is still looking into my request. Three of them I have written to offering approx 20% and I am currently waiting on a response. This leaves me with two that I am looking for further advice on: Lloyds Loan - this was with Westcot who (after requesting the credit agreement) have passed it back to Lloyds. Payplan have told me that they will pay the money to Lloyds but should I still be paying it or do I stop the payments until I hear from Lloyds? Intelligent Finance - they can't send me the original credit agreement however have sent some sort of mock-up agreement. How do I stand with this? I am looking to take over the DMP from Payplan myself as I don't feel they are much help (they told me I couldn't consider F&F payments without at least 80% of what I owe) I need to get a good understanding of how my credit file works etc before making any changes. These debts all dropped off my file years ago, if I suddenly stop making payments to any one creditor, can the debt re-appear on my file? I really appreciate all of your help so far & look forward to your replies. Regards G

Thanks Renegade Just received the agreement in for this one: Barclaysicon - sold by Eggicon- 1188 @ 5.12/mth - CREDIT CARD it was signed in 2003 & defaulted in 2007/2008. Just off the phone to them & they offer a settlement fee of £650 & the balance is £1157. What do you think?

Received a reply from Hoist/Robinson Way kindly agreeing to write off my debt with them. Thanks for your help so far Martin

I have been working through the debts one by one and this is where I am with each: Apex - sold by Lloyds - 7622.32 @ 32/mth - CREDIT CARD Credit agreement has been requested from Apex however I sent a DSAR to Lloyds and they have sent a copy directly to me. The statements that I have received from Lloyds showed PPI so i have sent a mis-sell claim away today. I will wait & see what Apex say about the agreement. Barclays - sold by Egg- 1188 @ 5.12/mth - CREDIT CARD Credit agreement has been requested HBOS - cahoot - 8903 @ 38.33/mth - CREDIT CARD - Hoist/Robinson Way have kindly agreed to write off the debt so I have asked Payplan to stop paying them london scottish - sold by intelligent finance - 6864 @ 29.55/mth - UNSECURED LOAN Credit agreement has been requested and I have raised a complaint as this is the third request. So far they have sent me £50 compensation for ignoring my previous requests but I have not cashed the cheque yet. I am waiting to see what the outcome of my cca request is first. NCO - Amex - 1156 @ 4.98/mth - CREDIT CARD Credit agreement has been requested PRA/activ kapital - Lloyds - 1307 @ 5.63/mth - OVERDRAFT Credit agreement has been requested and I have managed to claim charges back of £290 so far which they gave directly to me rather than paying it against the debt - I assme as it now sits with PRA. Wescot - sold by Lloyds - 2428 @ 10.45/mth - UNSECURED LOAN Credit agreement has been requested. There was one in the DSAR but again, I will wait & see what Wescot say. As always, any advice would be greatly appreciated.

Thanks Andy

Can anyone tell me how to add a signature please? I was looking to note my various debts

thanks Martin, that is kind of what I am thinking. The thought of trying to deal with too many has put me off facing up to my debts in the first place.

Thanks to this site, I now know that I have been cash cowed which is why I am trying to take control of my situation. The Santander credit card was taken out approx 12 years ago & defaulted around ten years ago. It is no longer showing on my credit file. I don't want to just stop paying it as they will continue to harass me surely? I am assuming that they won't entertain my request to write off the debt so my next step is to offer a full & final once I get some money together. Just not too sure where to start with this though?

As advised in another discussion I am going to start a new thread for each of my debtors. It will help me document my progress and get advise from others hopefully and eventually maybe even help others in a similar position to myself. I am currently in a debt management plan through Payplan however I have decided to try & tackle the debt myself with the help of this forum. I sent a credit agreement request about three months ago to Robinson Way who have contact Santander however I still haven't heard anything. I haven't stopped my payments to them although I believe I could, I just don't want to rock the boat at this stage. I also sent a DSAR request to Santander myself and they have written back advising that they don't hold anything for me. This prompted me to write a letter today to both Robinson Way & Santander requesting that the write off my debt. I will post up the response here. A list of my current debts. Credit agreement requests & DSARs are on their way to them all: apex - sold by Lloyds - 7622.32 @ 32/mth Barclaysicon - sold by Eggicon- 1188 @ 5.12/mth HBOSicon - cahoot - 8903 @ 38.33/mth london scottish - sold by intelligent finance - 6864 @ 29.55/mth nco - Amex - 1156 @ 4.98/mth pra/activ kapital - Lloyds - 1307 @ 5.63/mth wescot - sold by Lloyds - 2428 @ 10.45/mth total: 29000 @ 126/mth As always, any advise would be greatly appreciated.

I am in similar position so it would be good to hear how you get on with the full & final offers. My CCA & DSAR requests are away. I plan to try & claim back any unreasonable charges & any PPI however I am sure I didn't have this. I am then going to make settlement offers, I just don't know how to word the letters & exactly how much to offer yet. I have a thread on here as well that I plan to update which will hopefully assist others in future.

thats the CCA & DSAR requests away. when you say start my full & final offers with zero, what do you mean? some of the companies have said that the accounts are on hold until they get the credit agreement. if I stop paying these, could they re-appear on my credit file? thanks

apex - sold by Lloyds - 7622.32 @ 32/mth - CREDIT CARD Barclaysicon - sold by Eggicon- 1188 @ 5.12/mth - CREDIT CARD HBOSicon - cahoot - 8903 @ 38.33/mth - CREDIT CARD london scottish - sold by intelligent finance - 6864 @ 29.55/mth - UNSECURED LOAN nco - Amexicon - 1156 @ 4.98/mth - CREDIT CARD pra/activ kapital - Lloyds - 1307 @ 5.63/mth - OVERDRAFT wescot - sold by Lloyds - 2428 @ 10.45/mth - UNSECURED LOAN I am just reading about reclaiming charges on the credit cards just now. Is there anything I can do with the loans?

How do I go about a reclaim of charges? I had a look on here but couldn't see anything - maybe I am being stupid!

I am starting to speak with some of my creditors, getting full & final figures & copies of agreements etc. Most state that they will mark my file as repaid/partially repaid however can they do this if the debt isn't showing on there? I wouldn't like it to re-appear. Most are coming back with figures of around 75% of the total which I expected. Does anyone have any tips? I was going to eventually offer 25% and go from there depending on whether I get a credit agreement back from them. thanks

I have written to all companies asking for the credit agreements, some have replied & some haven't, I will post an update over the weekend however one company in particular have advised that they have put the account into dispute until they hear from the creditor - what does this mean?

..the requests for the agreements have just been posted. I will wait until I hear from the various companies & update this post. Thanks for your help so far.

Found your forum via Google whilst looking for debt advice (I have posted a query in the appropriate section) however I think I will be using it for a lot more. thanks

I can't see any of these debts on my credit file. I have long stuck my head in the sand and ignored these debts making my agreed payment through Payplan. Bankruptcy or an IVA etc was never an option as it would affect my employment. Why do you say that full & finals are no good? I just want the issue cleared up and be able to move on. I have requested agreements from all of the companies.

Hi I was looking for some advice please. I have read through the forum to see if anyone had any personal experience of the below companies but there is very little. I have requested copies of my credit agreements and full & final settlement figures today. I have also asked the companies to confirm if the agreements are still enforceable as all were taken out around 2002/2003 time. My existing debts are: apex - sold by Lloyds - 7622.32 @ 32/mth barclays - sold by egg- 1188 @ 5.12/mth hbos - cahoot - 8903 @ 38.33/mth london scottish - sold by intelligent finance - 6864 @ 29.55/mth nco - amex - 1156 @ 4.98/mth pra/activ kapital - Lloyds - 1307 @ 5.63/mth wescot - sold by Lloyds - 2428 @ 10.45/mth total: 29000 @ 126/mth I have been on a debt management plan through Payplan for the past nine years however a family member has recently offered an interest free loan if it helps me repay these debts. (I suffer from a couple of health issues and these debts don't help, which has prompted the offer) Does anyone have any advice that could help me with full & final offers with these companies or does anyone know anything about agreements being unenforceable if they are pre 2007? Is this worth pursuing at all? thanks GU