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Hi all, I have come back to CAG as my financial situation has changed. Originally I had lots of debt including a secured loan etc. I followed some advice and also sold my house to release funds and set me on the 'right' track. A few years on, earning better, I am looking to tidy things up and get back into my own house eventually. Situation now is that I am able to save up some repayment cash and want to find out what my options are. I have an old loan - egg - now Cabot - £1/month token - £4740 outstanding (had 'partially settled' offer of £2600) I have an old credit card - barclaycard - now Capquest - £25/month - £10,000 outstanding (offered a limited time settlement offer - I never rang them up!) CCA etc all done, these debts are from 2007. What would you offer up as a lump payment? What advice would you give for initial interaction with debt companies? Is it worth fighting for a full and final to clear the credit score? Thanks in advance NCB