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Settlement offer turned down


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I'm not sure if i'm posting this in the right place so please move if necessary.

 

I've got a CCJ against my name  - the debt collectors ive been making monthly payments to are Lowells.

All payments are up to date.

 

I've saved up some money and I was hoping to pay them off with a reduced offer, about 60% of what I owe.

 

I wrote to them and made the offer

they have written back saying that as they have a CCJ against me they don't want to accept a settlement offer at this stage but if my circumstances change, get back in touch with them.

 

Is that their way of saying make a better offer?

 

Any advice on how I should move this forward? 

 

Thanks,

Gary

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why do yo want to settle it?

it wont improve your score etc etc

 

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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CCJ is there for 6yrs regardless to if you pay it off or not

a[ satisfied CCJ is just as damaging as one that is not]

then it vanishes

doesn't mean its not owed or enforceable still mind.

 

why did you never defend it?

 

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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So its there for 6 years from the date its issued, or the date its paid off?

 

Didn't know how to defend it back then - I do now thanks to what I can find on here.

 

I need some advice about reclaiming charges my mortgage lender stuck on my account next, any idea where I look, or post about that?

 

Thanks dx

 

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no read what I posted carefully..

 

as for mortgage reclaiming 

look in the

forum

lots of like topics there about others reclaiming stuff

and theres a guide on that forums homepage

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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