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I have today sent my reply to old Robbie Kernaghan rejecting his offer of £3588.00 in full and final settlement (total claim £5931) they have until the 11th Oct now to ignore me and I will then file my N1....and claim my 8% interest... My two accounts are closed and I have a debt payment plan with Payplan so I am sure they will try to reduce my debt with this money...however the loan I took out was a debt consolidation one because of my OD run up with charges sometimes over a period of two days before my pay going into the bank they charged me over £200 in fees...I aint backing down to them they have caused far too much grief over the years...and thanks to this site I am now brave enough to stand up to the bullies!!

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