Hi forum. Here on the suggestion of a family member who has had successes based on advice here in the past. Looking for some general debt advice for two debts that Lowell bought Very (shop direct) debt - £2400, opened in 2013, defaulted in 2019. Have been making token payments of £1 since then. Received a letter from Lowell's offering a 80% discount. Pay £480 in three payments   Debt 2 - PayPal Credit - £505, opened in 2017, defaulted in 2019. So