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Help with Partial Settlement Offer

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I've been dealing with debt collecting agency by letter, regarding monies I owe, and can't pay back in full.


I made two offers to pay the debt as "Full and Final", they accepted my second offer, and I have now received a letter as shown below,



please can you advise me on whether to accept this, kind regards.


"We can confirm we are willing to accept your offer of xxxx in partial settlement of this debt.

Once paid, you will not be pursued for the remaining balance by us or any other third party.


Once the account is settled, our entry on your credit file (if there is an entry) will show as 'partially satisfied' defaulted account with a zero current balance."

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so is the debt on your credit file then?



best you tell us a bit about the debt please

and your others.



its all very well paying debts off

but in all reality if the debt is showing and defaulted

it does little for you credit worthiness

nor say a mortgage application.



did you send these people a CCA request? to verify they have the legal right to any of this money?

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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