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I have had a full and final settlement accepted with N.Rock Its for 23% of the loan but on a £30k loan so a hefty amount, they accepted straight away, I am only making partial payments and have been since Jan. In all fairness this is the loan which tipped me over and convinced me to go into a DMP with CCCS. They didnt stop interest and just kept adding it on but have been very good in saying yes straight away to my settlement, they did always hint at a settlement.

 

My question is should I be cheeky and go for even less? I am getting the money as a loan.

 

Has anyone else had any dealings with them and has anyone got them to take a very low full and final settlement in relation to what they owe? My settlement is almost £7k so I suppose its a fair whack in anyones book.

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it always gets me worried why OC accept F&F.

 

typically this means there is something wrong with the agreement, mis-sold PPI, unlawful charges etc etc.

 

pers i's sar them and find out what they are hiding.

 

if you do feel inclined to do it though, it must be a condition that they remove all negative markers on the a/c and mark it settled.

 

if they will not do that FIRST then offer them £1PCM for the rest of your life.

 

dx


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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Got my SAR and all seems in order, the loan is over the £25k so is not governed by the consumer credit act. Also it was part of a mortgage it was a together mortgage.

 

Irony is they have been real hard arses about this and have refused to stop interest and all sorts, their take on it was that they will accept lower payments now and I can increase payments later, so really they are not actually giving me a choice but to settle early.

 

But yes have made sure they put full and final in all the letters and wipe any bad credit although its not got to the default stage as yet.

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that sounds very strange to me indeed

 

i cant for the life of me see why a secured loan of over £25 would be allowed to be settled for £7K make no financial sense..

or am i getting this wrong and they've not accepted £7k?

 

something odd here.

 

dx


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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Odd in what way? are you saying they should not be accepting my offer? If you are saying its odd to accept £7k for a £30k loan then I would say there are plenty of examples on here of lenders accepting low payments to recover something as oppossed to nothing. I have in all fairness paid £14k back over the last 5 yrs, so with this back they are nearly getting the whole lot back. I did remind them of that in the letter.

 

I suppose I have got to decide whether to pay £7k and have it off my back or go for the SAR etc etc and try for that but think I honestly have not got a leg to stand on with all that. Shall I pay £7k or be cheeky and try and pay less....... thats really my conundrum.

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sounds more sensible.

so you're offering £7k on a £14k loan

 

have they bitten it?

 

dx


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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Ok, to be really clear, I have an outstanding loan of £30k £32k with interest and they are accepting £7k to clear it.

 

Is this odd as its 23% of the loan, shall I bite their hands off.......

 

Egg will not accept £1000 for a £4080 credit card. they want at least £3k, I need to meet them in the middle. anyone had any luck with Egg on a final settlement?

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well done then

as in post 2 if they comply, then 10/10 for you, very rare that.

 

as for egg

wellthats egg, about as good with customers as HFC/MBNA

 

have you got late fees/over limit fess or PPI on the card?

hit 'em with reclaiming them first!

 

dx


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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OK great will get it paid then, I do have everything in writing so seems like a done deal once its paid.

 

MBNA have not been too bad I am trying to negotiate from £1400 for a £4200 debt, I am offering nearer £1100 and hope they will tie that off today but will only do a partial and not a full and final. Egg and Barclays loans are proving the hardest so I suppose I will just have to keep bugging them and see if they comply....

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just remember that 'partial settlement' is as good as having default written on your CRA file

so don't waste money on those that will not mark the debt settled.

 

dx


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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Yes they have confirmed its a full and final so happy days.

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that matters not.

 

what matters is the debt is marked as settled .

 

dx


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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Ok the letter i got from northern rock says;

 

I am prepared to accept your proposal of £6,900 lump sum payment in full and final settlement of the above debt providing this is received on or before 31st July 2010.

 

Would you be happy with that or would you want them to add something else to it?

 

Cheers

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as long as they mark the debt as settled too.

 

dx


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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Just an update on this, Northern Rock took my settlement but then a default was put on my account, they kept then promising to remove it as they said in a letter to me that it was paid off in the end they just didnt so I sent the letter they sent me to equifax who go tin contact with them and because they didnt reply the debt was then taken off my file indefinitely. So its like it was never there and in the end they accepted a full payment of £6000, told them I was going to Australia to work.

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well done..see it can be done

 

dx


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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