I have a couple of old payday loan debts that date back to late 2012 that are both Defaulted on my credit files.
In the absence of a time machine, would like to get these resolved and marked as satisfied in full.
I have managed to find original credit agreements for both of them.
- £100 loan with £129 to be repaid.
It is showing as satsified on Callcredit and assigned to Prac Financial on others.
I suspect Prac bought it like they do and just wrote it off?
247moneybox/active securites - £100 loan.
£176 to be originally repaid.
Showing £292 in Default.
Recently contacted me out of the blue with a 50% settlement offer but were vague about updating credit agencies.
I do not want to make affordability complaints as I cannot be sure what I stated on applications.
Would I just approach it like dealing with any other old debt
and send them a letter offering X amount in full and final settlement?
I want to be smart about this and minimise what I pay and potential blowback so figured best to ask now if there as a right way to go about this?
Any other help, tips or advice?
Massive thanks in advance.