Hello, I have credit card debts that are unsecured. They are with debt collectors including Cabot, Robinson Way, Moorcroft etc. I cannot describe to you how down I have been. I can hardly lift my head. I don't answer my mobile they keep phoning. A family member may be in a position to assist but she wanted to know how much in total would be required for a full and final. If we paid, would that be the end of it? These debts are years old and my bank account (basic) shows my balance is very low with missed payments. What is the minimum % they will accept? Do they all have to take the same percentage? I would love to be able to sleep again without feeling so sick. Thank you.

I am going to make full and final offers to my creditors since a relative will lend me the money , when I send the offer in do I have to name the creditors or can I do creditor a .b . c etc showing their share and also what is a good starting point I was told start at 40% of the total

http://www.bbc.co.uk/news/business-36674221 But.... and

Although the information here may in some way apply to my circumstances, I am hopeful that the discussion will prove useful to others. I am attempting to ascertain the rules/law regarding the receipt of offers by a bank (or other financial institution) both before and after a default is registered on an account. So some questions that will hopefully help with the discussion: If a bank is sent an offer from the debtor for monthly payments on a debt that is not in default, with the first payment attached via a stapled cheque made payable to the bank, and the bank removes and cashes the cheque, does the bank agree to the offer? Is there any written rule or law that enables the bank to accept the money provided in an offer of payment (as in 1 above) as a token payment towards the debt but WITHOUT communicating in writing to the bank that it does not accept the terms of the offer? In relation to 2 above, does it make a difference as to whether the account is in default, or to put it another way, does an account in default afford the bank further rights with regards to what it can choose to do with an payment received regardless of what the offeror's intention was? I am intrigued to hear peoples' thoughts on this as I have received various opinions on this from both lay people and qualified solicitors. And finally, I wonder if the same applies in relation to offers of settlement, again with stapled cheque attached, whereby the bank may take the payment for another purpose (e.g. token payment towards debt) rather than as settlement, and in the meantime not communicate refusal of offer.

BOOKIES OFFERS ODDS ON WHO'LL BE CAUGHT ...........ON ASHLEY MADISON London 19TH august: Members of adultery website Ashley Madison will be shaking in their stockings after hackers reportedly released data containing their names and personal details. With cheating spouses on red alert, Paddy Power has opened up the betting on who might be nabbed for a naughty night under the sheets. The bookmaker offers 1/10 for a Premier League footballer to score an own goal and be named, while it's 1/4 for a MP, or a regal 5/6 for a mischievous member of the Royal Family. Paddy even gives 6/1 for a record number of divorces in the UK in 2015, while it's now 5/2 that Madison will hold its IPO in London this year. Paddy Power said: "I've honestly only just heard about this website but the snake is firmly out of the trousers on this one and millions could be caught up in the scandal." Who will be revealed? 1/10 A Premier League footballer 1/4 An MP 2/1 A Roman Catholic Cardinal 5/6 A member of the British royal family 7/1 A cast member of TOWIE Ashley Madison Fallout 6/1 2015 to break the record for highest number of UK divorces The bookmaker offers 1/10 for a Premier League footballer to score an own goal and be named, while it’s 1/4 for a MP, or a regal 5/6 for a mischievous member of the Royal Family. Paddy even gives 6/1 for a record number of divorces in the UK in 2015, while it’s now 5/2 that Madison will hold its IPO in London this year. Never mind that Ashley Madison didn't bother verifying email addresses, so the existence of someone's details in the database doesn't actually prove anything, eh? That means anyone could have created an account using the email address of a top footballer, politician or - yes - member of the Royal household. Paddy Power may be finding the situation funny, but just think of the potential human cost of a data breach like this. We shouldn't be too quick to jump to conclusions. Even if account details are genuine, their existence is no proof that someone had an affair behind their partner's back.

People with arthritis have been offered fresh hope after patients were effectively cured using a revolutionary electronic implant. Doctors used tiny pacemaker style devices embedded in the necks of patients with severe rheumatoid arthritis to "hack" into their nervous systems. The implant - whose effects were exclusively demonstrated to Sky News - fires bursts of electrical impulses into a key nerve that relays brain signals to the body's vital organs. http://news.sky.com/story/1396464/nerve-hack-offers-arthritis-sufferers-hope

http://www.theguardian.com/business/2014/oct/06/royal-mail-parcel-promotion-bigger-gift-christmas

Hello Everyone. I was made redundant 2012 - stopped paying all my bills - first time in debt and a big mess, I wrote to everyone when mum died and i was given a few thousand pounds, I offered small ffs offers to everyone based on calculations i found on this site - only one who accepted was a debt collection company on behalf of flybe credit card they accepted 25% of balance - the rest ignored me or said no they wanted full payment. I went into deep depression and never communicated again with original creditors until last month I contacted them all again - they now all sold to debt agencies - some wrote back and said to contact the collectors instead others ignored. I contacted the new agency dealing with flybe card (now lowell) they said the 25% offer is expired lowell want full amount. I dont have full amount - I have 20k of unsecured debts (all were paid regular until redundancy) none have been paid since then in 2012. I still have inheritance of just over £4000. Im desperate to get out of debt. just wondered how it stands re one company accepting the 25% offer wil that still stand or like lowell says no its expired. Any tips other than the standard letter templates to resolve the issue and offer ff offers or should i offer £5 a month till i find employment again? original creditors not wanting to communicate atall - debt agencies are now wescot, lowell and capquest what is my chances here? any help gratefully appreciated

Hi, long story short on here, i took out a loan with CFO back in September. I realised that i couldn't afford this so set about a repayment plan, eventually sourcing one with them (with much pain!) Since then i have been continually sent various text messages and emails from them. 1. Offering me more money!! 2. Threatening me with phone calls to my office and home (even though i have arranged a plan!) 3. Offering me a CFO Resolve loan/ repayment plan( which obviously i already have) I'm not sure the best course of action here, i'd like to raise this to a higher level as this is incredibly poor from this company If i complain to them direct i'm sure it will fall on deaf ears, any ideas where to go from here? Thanks for everyone's help!

Can I just get somebodies advice on what to do next, I have used the information on the forum to get this far. I have had a number of loans through Barclays Masterloan over the years starting from 1990. I requested a SAR on the 1.03.13 for 9 separate accounts, I received back on the 12.04.13 copies of 4 of the accounts, two I had not even asked for, as I had no record of them. With this information I put together a PPI letter 17.04.13, for a total of 11 separate accounts, mixture of SAR and copies of original accounts. I received letters all in separate envelopes and separate reference numbers on the 26.04.13 back from Barclays asking for the FOS questionnaire and any other relevant documentation to be returned. This I did by 3.05.13 and returned by signed for delivery. On 10.06.13 I received two letters, one for account number 7503 10.03.01, states that their records indicate i was part-time employed not full-time employed at the time the policy was sold. Possible documentary evidence from the DWP. If you were unable to supply this information, please can you confirm that you were full-time employed at the time the policy was sold to you. Documentary evidence of savings, could be bank statements. Employers sick pay scheme at time of sale, employers name level of cover and the length of cover provided. Documentary evidence to support the fact you have other means of making repayments if you were unable to work through sickness, accident or unemployment. The other letter refers to 3 separate accounts, 1861 30.06.98, 9978 23.10.98, 2143 11.08.99. This letter asks for Documentary evidence of employment status at the time of sale DWP If you were unable to supply this information, please can you confirm that you were full-time employed at the time the policy was sold to you. We would therfore be grateul if you could provide further detail regarding the number of hours that you worked within your part-time employment. Documentary evidence of savings, could be bank statements. Employers sick pay scheme at time of sale, employers name level of cover and the length of cover provided. Documentary evidence to support the fact you have other means of making repayments if you were unable to work through sickness, accident or unemployment. Please provide any additional details, how the policy was sold to you, who you may have spoken to any other information you can recall. Any additional information that you are able to provide will assist us in fully and fairly assessing your complaint as quickly as possible. Just to clarify a few points i was in full-time employment from 1993-2009, never had a part-time job. I have documentary evidence of insurances, which I included first time round, but that can be sent again. On the FOS questionnaire D6 where it asks for savings or insurance to support repayments, should I have crossed out savings, because I certainly didnt have savings at the time, but definitely insurance. The company has long since gone into administration, and do not have to hand copy of contract detailing sick pay scheme, so will have to exclude this if I send anothe FOS questionnaire, even though that was the agreement, but if I havent got the paperwork well thats that. The other information is contained within the FOS questionnaire I originally sent 03.05.13. They have sent another blank FOS questionnaire with the letters, I can print off the copies again for the FOS questionnaires with the original dates on, along with the insurance paperwork, as well as a statement of my employment status or do I need to get a letter from the DWP to support this part of it. In summary I was in full-time employment, the policies were all front loaded, and there was documented insurance cover in place. Thank you for taking the time to read this post, if there is anything I have missed or requires clarifying then please ask.

This is my first post and I am looking for some advice. I owe more than £30k attributed to various unsecured debt accrued before 2003. The debt has been been sold on to Debt Collection Agencies. They have been in touch through out the period and at some point I was paying a £1 nominal fee to them. I have come in to some money and have offered them full and final settlement offers. Some of them have agreed to it and I am still in discussion with others. As the debt is older than 6 years it is no longer on my credit file. If they agree to full and final settlement offers can they put this on my credit file showing part settled or are they not allowed to do this since the debt has already been on my credit file and it's over 6 years. (I live in Scotland).

Hi, through a variety of things, ive managed to get my (and my partners) debts of 15K down to just 1900 I was just typing up my letters of payment offers after doing some research on here. Only £400 is priority debts which I am attempting to pay off with sizeable payments, so i have £1500 in non priority, I have worked out i have £20 pm available for non priority and have sorted this out pro-rata Ive had offers refused before, alot of thses accounts have been open for 4 years with lots of offers and no payments, theyre all for little amounts so they dont seem to want to take me to court. Should i start sending token payments of £1 while I wait for them to accept / refuse my offers. and should i send the letters recorded?

I recently took advantage of online offers on Asdas home page. Felix cat food was showing as boxes of 12 pouches, 2 boxes for £3, this was a huge saving, I buy this all the time for my 3 cats. I ordered 36 boxes = £54 plus delivery. I ordered these on 7th Sept and arranged delivery on Monday 10th. Delivery arrived and I noticed the invoice showed £110, I realised what had happened so rejected them. Asda Terms & Conditions show that if items are marked at a different price when picked they will be charged at that price and a box had to be ticked to show this. I ticked the box, I really didnt think that 3 days later it would be changed. I dont understand the logic in this, Im sure there will be customers caught out who dont notice and will be charged differently, what is the point in paying staff to pick, pack and deliver for goods to be returned. The amount of £54 was allocated to Asda on the day of ordering, today, 5 days later that money is still not in my account, it shows as being suspended, its neither mine not theirs, but I cannot spend that money so in effect I havent got it. This is a good ploy from Asdas point of view, the interest on this money is a good earner and it shows total inconvenience for the customer, Im really not happy about this. I emailed the CEO of Asda to be told to read the Terms & Conditions, well I guess this was my stupidity in believing an offer was going to be too good.

Hi Im not completely new to CAG, had and account and with help managed to claim £1300 back in charges a few years back, but forgot my login details and had to change email accounts due to being hacked! I now need some new advice, in total im about 10K in debt and have considered Bankruptcy, but due to a small windfall im in a position to make settlement offers, I have two secured debts(3rd and 4th charge) and several small unsecured debts. My current position stands like this - In December 2007 myself and my then partner bought a flat on a shared Equity scheme, we raise half via a mortgage, the Government then lent the other half etc. 5 months after buying, she left me for a married man( I laugh now). due to the market crash, the flat is now worth half or the original purchase price of 220k. We are planning on selling so we can both move on, the selling price, just about covers the mortgage, and the government to there merit, have agreed to wipe there claim. Which means the two creditors with charges wont recieve a penny from the sale! Ive come into a small windfall and would like to make a complete debt free, fresh start to life, start enjoying life again. The windfall only covers about 50% of what I owe, clearly the secured debts are the most important, but ideally I would like to get rid of all the debts. How much would be a reasonable offer to make, Ive read some people have made offers of as little as 20% and been accepted. Should I make seriously low offer and see what they?? Also would email be ok or should I write, using recorded mail? Also I know there used to be template letters on the forum, Ive searched and cant find them, anyone able to point me in the right direction? Cheers Jimmy