In 2011 I took out a loan with HSBC whilst at Uni. In 2014 I unfortunately defaulted. It went into HSBC collections and the debt now at c5k was then sold into Cabot Financial, who have now offered 50% f&f settlement. I have been making notional payments and the debt has fallen off my credit record last year.
Please could you help with the following please :
1. Should I take the offer up to pay the £2.5k:
2. I have read that before making a payment I should ask for a CCA, if I do will this affect the offer if Cabot produce the agreement.
3. Are mortgage lenders still