Hi, I am new to this. I have some old debts and one was sold to PRA years ago. They are all over 6 years old and have now gone off my credit file. I am trying to make offers to settle them and have offered PRA 15% of the debt. They have as expected refused the figure and want around 80%. I can't afford that so won't agree to that. I used a letter I had seen on here to request that once agreed, they mark the account as settled. They have stated hat they can only mark it as partially settled unless I pay the full amount owing- is this correct? I doubt everything they say as they are trying to put the pressure on by saying this offer of 80% will expire in ten days and also asking where I am getting the money from etc. I am not going to respond to either of them but wondered if you have a response letter to this rejection of an offer and if I can still ask them to mark the account as fully settled.
Thanks
Thanks
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