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Lloyds valid CCA, then settlement offered.


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Hello fellow Caggers.

I sent for and received a valid CCA for my credit card back in March.

Surprise surprise, because it was valid, it was received in the specific timescale, with all the details correct. Now if it was invalid, I would still be waiting for it (like most of the other creditors I am dealing with). Anyway I digress.

Yesterday I received a full and final settlement offer without prejudice of £4,700 ( I owe them just over £9,000) provided I pay it within the next 10 days.

I am currently paying them £25 per month as arranged for the next 6 months.

It does seem tempting but as I can't afford do pay this, then I will be declining the offer.

Does this seem a good deal and would there be any strings attached?

Could I make them a lower offer? If I could manage to wittle them down to 10% I might be able to manage to pay that.

What do you think?




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Well you havent got anything to lose by putting forward a counter offer have you?


I would try it and see what they say.


Write them a letter telling them you cant afford £4,700 but could pay the debt off if they were willing to accept a f and f settlement of £1,000 (or whatever you can afford). Alternatively you will continue to pay £25 and you dont see your financial position changing in the foreseeable future.


Remember to add the condition that it is removed from your credit file too.

And make sure that you sound confident and in control and give them a deadline to respond to you or the offer will be withdrawn.

If you find my post helpful please click on the scales at the top. Thank you



Halifax Bank Claim filed and settled

Halifax Credit Card settled

Argos Store Card settled


CCA requests sent to

Halifax Credit Card

LLoyds TSB Credit Card

Capital One

Moorcroft (Argos)



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