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revco

Final settlement help please

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Hi.

I had a look through the threads and got some good advice. Does anyone have experience negotiating a final deal with LINK?

 

I owe about £16,500 in total £14,000 of that to link.

I have been paying through CCCS for about 2 years.

I have had an offer from my dad to lend me some to get a settlement.

 

I rang all creditors to get a rough idea what they would accept, any actual offer would be in writing.

 

Link at first said they would accept £10000 but I told them that was not possible and not all creditors (there are 9) would get money...just the best deals.

They then suggested I wrote with an offer of 50%, but I got the impression from her voice they would go lower.

 

Does anyone have experience with link?

I am thinking to offer 20% and see how much they will finally take.

 

I don't know how many times the debts were sold on before they got them, but at least once.

I ignored them (and my mail) for 4 years.

They are a bank loan 7k, overdraft and credit cards. Foolishly I took cash from the cash point not realising how bad that was, so a lot of that may be interest.

 

I see other threads on here that say they were likely to have bought the debts at 10/15%.

 

Any advice would be greatly appreciated.

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have you actually checked that these debts have valid agreements?

 

if you cca each DCA for either a credit card or loan agreement you may be suprised that they have invlaid agreements which would give you more leverage for a lower settlement or no settlement due to their being no enforceable debt


PGH7447

 

 

Getting There Slowly

---------

 

Advice is given freely but is in no way meant to be taken as Gospel:-)

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have you actually checked that these debts have valid agreements?

 

if you cca each DCA for either a credit card or loan agreement you may be suprised that they have invlaid agreements which would give you more leverage for a lower settlement or no settlement due to their being no enforceable debt

 

 

 

I haven't sent a CCA request as I'm worried they would push for a higher settlement. Is that likely or wouldn't it bother them?

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chances are they wont have an agreement so you could push for a lower settlement:D


PGH7447

 

 

Getting There Slowly

---------

 

Advice is given freely but is in no way meant to be taken as Gospel:-)

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chances are they wont have an agreement so you could push for a lower settlement:D

 

 

 

I'll give it a go.

Thank you.

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