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Full final settlement offer to BOS advice please


ssparry
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Hi, well after 8months, a complaint to Royal Bank Scotland (advise of trading standards) CCA has finally been produced and from what I can see, all is correct.

 

Ok, so owe £7k from a loan originally with AA. All went pete tong when I had my baby in April 06 as single parent. Haven't paid a penny since account went into dispute in June 2007 (no CCA).

 

I am writing to them today to offer them 10% of account in full & final settlement.

 

Do I include a copy of income expenditure? They will see (quite clearly) that I have more going out than coming in. This is just on essentials. Also, do I include a note to say that my only other option is to go bankrupt (which I add, it is) and therefore they will receive no pennies from me?

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You could ask them if your situation is that bad.... letter 'K' here, if they turn it down then you could make an offer....

 

http://www.consumeractiongroup.co.uk/forum/general-debt/20758-creditors-dcas-letter-templates.html

PLEASE NOTE - I am not a legal expert, what is stated is my own opinion and from what I have learnt from this forum and my own experiences.

 

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I would consider S.A.R. ing them to find out what charges they have added, before making any offer.

i will be off site for the next month or so. if you have any problems, feel free to report the post so a moderator can help you.

 

I am not a qualified or practicing lawyer.

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