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virgin money offer


Tommybish
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hi im new to this site so looking for some advice

iv had a credit card through virgin money for the past 5 years after years off paying the minimum payment for a long time i thought enough is enough and offered them a full and final settlement figure

my debt is £4.600 i offered them £2.000 which was rejected

So they offered me a reduced interest rate off 9.5% i was paying 33.4%

Then they gave me a second option off a £3.500 settlement

Can any one help me making my mind up what to do please because im well out off my depth

 

Thanks

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i'd do some reclaiming of unlawful fees and mis-sold PPI first

 

then try and shake hands again.

 

dx

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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