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Hello everyone, At long last my first new thread on CAG! I am after some advice please about the creditors' responses to F&F offers I made to them recently. I won't go into the full detail of the back story, but I have a couple of debts where no payments have been made for at least the last couple of years. Recently I found myself in the position of having a lump sum of money available, so I wrote to the creditors with full and final offers, using the sort of wording as suggested by Brigadier2JCS here: http://www.consumeractiongroup.co.uk/forum/showthread.php?393565-Full-and-Final-Without-Prejudice(-)&p=4254734&viewfull=1#post4254734. Both of the creditors have responded with Income and Expenditure Forms, asking me to complete them so that they can "consider my offer". I am disinclined to do this as I am reluctant to provide such information to companies that I have not been making payments to for some time. I feel they should assess the F&F offer on its own merits and either accept or decline it. What do people think? How would you respond?