Lowell/Submitting Offer

[osophi]

Dear all,

Happy New Year. I currently pay monthly on a default and have been for about 4 years but I have hardly put a dent in it.

I would like to submit an offer to end the nightmare, as I know SB doesn't apply here.

How do I go about this to ensure it is settled rather than satisfied as full and final payment?

Your assistance is greatly appreciated

[echat11]

It might be an idea to send them a CCA request, they have 14 days, see what they send back and assess what to do once you've got that. Make sure you get Proof of Postage.

If they don't have a copy of an agreement, you can maybe negotiate on better terms, if you still want to settle.

https://legalbeagles.info/library/gu...etter-example/