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Anyone know the answer please

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  • Anyone know the answer please

    I have a secured loan on my property which was originally through picture, then it went to Webb solutions now it's with paragon. Two things if this loan has been passed on so many times does that mean the insurance has paid them for the loan which is why they sell it on? 2nd question, can I make an offer of full and final settlement with a figure less than what's outstanding ?
    Would appreciate any help with this
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