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Transcom/Arrow Global CCJ Settlement offer

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In July 2006, I defaulted on a number of debits. One of them was for a visa card with Shell. This was sold on to Arrow Global and in September 2008, Arrow got a CCJ for the £3523 outstanding.


I have been paying the shell/arrow at £14.37 a month since 2006. There is still £2790.77 left to pay.


I have tried to make a settlement offer to Arrow of £839.55 which is there amount, pro-rater from a lump sum I have received, but they have turned me down saying they can only offer me a 50% discount.


All other defaults have been removed from my credit file, but this CCJ will stay until September 2014, so I would like to settle it.


Does anyone know how firm they are on the 50% rule. It seems silly that they would rather have £14.37 for another 16 years rather than have the 839 cash now.

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I guess that getting the full amount appeals to them more however long it takes to get it, doubt there is any 50% rule more like an off the cuff figure from someone without any real authority.

Perhaps you should make a approach to some one more senior, but the CCJ protects them if you fail to meet the judgement order.

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