Hi All,
This is my first post so please be gentle ! My partner has a Financial Management Plan with Harrington Brooks to whom she pays £150 a month to pay her creditors. She has been paying this amount for the past six or seven years. However, we may be in a financial position soon to make offers to clear these debts. We obviously would prefer to not pay the asked for balances in full as I'm aware that the creditors have 'bought' my partners debt and their balances dont reflect the 'true' debt.
Should we :
1. Approach the creditors through Harrington Brooks or directly?
2. If directly, do we send each of the creditors a CCA letter asking for the original loan details and loan amount?
3. Is it worth emailing the creditors directly with a settlement offer or is this a no no legally?
4. One of the debts is a joint one with my partners ex. Can she settle just her half of the debt seperately or will it have to be fully?
I would very much appreciate any advice anyone can give and/or suggestions on how we can settle these debts to our best advantage !
Many thanks to all in advance.
Regards,
Steve Davies
This is my first post so please be gentle ! My partner has a Financial Management Plan with Harrington Brooks to whom she pays £150 a month to pay her creditors. She has been paying this amount for the past six or seven years. However, we may be in a financial position soon to make offers to clear these debts. We obviously would prefer to not pay the asked for balances in full as I'm aware that the creditors have 'bought' my partners debt and their balances dont reflect the 'true' debt.
Should we :
1. Approach the creditors through Harrington Brooks or directly?
2. If directly, do we send each of the creditors a CCA letter asking for the original loan details and loan amount?
3. Is it worth emailing the creditors directly with a settlement offer or is this a no no legally?
4. One of the debts is a joint one with my partners ex. Can she settle just her half of the debt seperately or will it have to be fully?
I would very much appreciate any advice anyone can give and/or suggestions on how we can settle these debts to our best advantage !
Many thanks to all in advance.
Regards,
Steve Davies
Comment