Enforceable debts and Settlement offers

[Guest]

Hi, i'm new here and i'm just after a bit of advice please. My husband and I have been in a DMP for about 10 years, paying back several debts. We owe about £37,000 and it will probably take another 30 odd years to pay back. We've looked into full and final settlement offers which we've received from Cabot and NCO and they have offered 60% and 65%. I don't believe we've ever received one from PRA but rang and spoke to them and they have offered 45%, 50% and 55% on the 3 debts with them. We have taken out a loan to possibly pay everyone back, but can't do the whole lot (if PRA offered 65% like Cabot then we could afford it). They say they won't budge on the offer. Is it likely to be an enforceable debt and should I ask for CCA or would it have repercussions? Was kind of hoping it would be a way of getting them to play ball and go for a lower offer. Thanks

[MIKE770]

these alledged debt never been to court??? if not send CCA request with a 1.00 postal order and keep a file for each and keep copies of all letters etc, if no cca then they are cash cowing you possibly DMP if not a free one keeps a lot of your payment in administration charges (aaahhhhhhhhh) more individual detail for each one you pay

CCA Request send signed for and keep copy to request letter on file.

Subject Access Request Letter send no charge to each company originators signed for, these can produce a lot of information on original account process