PRA group full and final

[CH22]

Hello, I have three outstanding debts which have been managed by a DMP with SC for over 15 years.
I know owe just over 9K.
This is split between what was a loan and overdraft with 1 bank and a cc originally with Egg.
Egg many years ago was bought by Barclays and then sold to PRA. The other two had been managed in house with the banks recovery, before being sold to Westcott and then PRA. I've never missed a payment with my DMP, but even so with the amount I pay, this is still going to be here for some time.
*I feel fortunate that i haven't been hassled for any of the debts but I don't know of this is because I have* always paid.
I have an opportunity to have just shy of 30%of the outstanding debt to offer on a F&F.
I was wondering what peoples thoughts are on
A)negotiating this whilst still being on a DMP.
B ) the likely good of them actually accepting given that they can see I have been a solid payer in all these years.
C) is 30%enough /too little /too much.
Would I need to inform my DMP if I am requesting to see my original paperwork and if by doing this, would this make the PRA group less likely to accept my offer if they have the papers?
The debt is no longer on my credit file.

[Celestine]

Hi and welcome
You ask some very sensible questions:
It is good to hear that PRA Group have behaved pleasantly throughout your DMP and not hassled you or made the process uncomfortable. This 'should' be the new normal for most major debt companies these days.*
Being in a DMP is a very good time to negotiate the completion of repayment of the debt. Absolutely PRA will be interested in a full and final settlement, they like a closed case.*
It would be a very wise time to prepare for this negotiation be requesting to see the credit agreements for the three accounts. PRA will not be angered by this! It is a very normal step in their compliance procedures. How old are the accounts? If they are pre 2007, there is a good chance they will have some flaws, although I vaguely recall that Egg debts were a little odd thanks to some unhelpful caselaw.*
No you do* not have to let Stepchange know you are making CCA requests, just make sure you maintain payments throughout. If the CCA's come back with problems, this would be a good time to call PRA and have a frank conversation about settlement. They wont want you to stop paying and attempt litigation, so they will be much more likely to accept a sensible settlement. Let us know how you get on.*

[CH22]

Thankyou for your reply, this is very helpful. As soon as I have more information, I shall repost and update.
Many thanks*