Hello Everyone. So Here I am ... time to face and deal. I was well man on career ladder working my way up when in 2008 I decided with my business partner to invest in a retail business, this was just before the recession hit. I left my job and got on with the business that started in late 2008. did well to start with but before I really noticed , I was sinking. I took out a 25k loan from Barclays in July 2008 was making payments , but when I hit a birckwall in my business I got really stuck. The busines ran for three years, and in the busy ness of it , toiling day and night , I just completely ignored any reminders or calls from the bank etc ... Anyway , I now have the following Barclays Personal Loan - I believe it is with Mortimer Lake Sols - £22000 Egg credit card - which i believe was taken over by barlcays , not sure who it is with now - circa £2500 Vodafone - £300 apprx contract bill which i didnt even know about untill recently !! (Mobile Contract cash voucher [problem]) I sold my business in 2011 and have been working endlessly since with all this on my mind and with a plan to one day get rid off. I have NOT made any payments to these for years, and luckily they have not bothered or come after me that much either. a letter now and then. Mortimer have started to call recently again which i have not answered. There are no CCJs on file just default/delinquent. It is probably due to the age of debts that I was accepted for entry level capital one card with £500 limit about a year or so ago, which I have been using regularly and paying off , the limit then increased to £700 (current) and I have heard from them again telling me that they are increasing to £1700 from next month. I have no idea how to start on this , the main reason I have had "my head burried" so to speak is that if i contact them they will come after me like wolves asking for to pay amounts I cannot afford. Well now I am in a position to clear these off via full and final settlements. Vodafone I will take care of shortly anyway. Help is needed on how do I make contact and start negotiating full and final settlements with other two and what should I be aiming for. Your help will be highly appreciated. and I kid you not should this forum make me succeed in my goal. I will be making sure to offer financial support in my powers to help the site. Target : Debts cleared via full and final settlement also a clean credit file. Kind Regards, SS

Hi My son is having problems with his landlord. He is after a great deal of money for locks he claims he has had to change. Anyway to cut a very long story short, we have written many letters to each other. Our last letter we sent we agreed to pay for some of the accounts but stated "without accepting liability" and also said "this will be my full and final settlement once the cheque is cashed". The cheque has since been cashed with the landlord is accepting but says that we liable and that he wants the remainign debt paid or he will take us to court. I was advised if I used this wording that the landlord would have to send the cheque back if he did not accept. Can anyone advise the best way to proceed now as we are talking about alot of money another £900 so it is worth fighting for. Thanks Carol