If I don't reply again to this thread tonight I'd like to say I'm not being ignorant I'm just tired now its almost 3am. And I can't thank your team enough.

They have not provided anything to me other than the letters i mentioned at the top. I'm offering to pay the 50% they mentioned in the letter because I don't want to get into a legal wrangle over such a trivial amount of money I just want to get rid of it, i need to get from them a letter stating that when the payment is made they can't sell the other 50% on and that I would like my report marked as settled. And then I will proceed in paying it, like I mentioned before I would also like a little advice on how I should pay them I don't know how to pay anything other than using my debit card which I use to pay everything.

And again how do I pay through my banks web portal? I would also like to take the chance again to thank you guys for providing me with a real lifeline I really don't know what I would have done without the advice you guys are offering.

I am just going to call the, and say " I would like to pay the account off in full, but as a condition of this payment I would like my credit file to be marked and settled and any negative marks against me removed, the payment will be made when I get a letter in writing from yourselves agreeing to keep to your side of the agreement."

I will call them tomorrow and ask if they will remove it from my file if I pay in full, how do I pay through my web portal? Ask them for bank details or what? I really appreciate the advice you guys have provided me with I don't know what I would have done otherwise. I will let you guys know how I get on tomorrow when I call them and thanks again.

Ok thanks for the advice, I just want to get rid of it once and for all if I phone now tomorrow and ask to pay via "?" And a condition of me paying is that it gets removed from my credit file this should work? The payment method has a ? Because I'm not sure what method to offer. And like I said I'm only young and the threat that ill be taken to court is not what I want hanging over me I'd rather get rid of the debt and be happy again as this has been really worrying me.

I say this because they told me that if I don't pay further action will be taken against me.

I really appreciate the help your giving me first thing I'd like to ask is whats "12 PENALTY FEES" and if I call to pay edrupt over the phone tomorrow for the 50% amount of £206.50 could I ask them to remove it from my credit file as condition of payment. Many thanks again for the wonderful service you guys provide on this website I'm only 21 and don't really have a clue as I'm on my own in this world now trying to deal with things like this, I just want to make sure I do everything the right way.

My score is perfect other than this one thing I've had a mobile phone contract for 3 years never missed a payment, I've also got a credit card which has never missed a payment and 2 store card/catalogues that have never missed a payment. Would I just be throwing away £200 by paying it or what? Again sorry for sounding like an idiot i just really worry about these sort of things.

Thanks a lot for the reply I really appreciate the help and advice being offered, I logged on to the experian credit report and it is on there and has a red circle next to it at the moment.

I would just like to add that I have until Tuesday the 14th of May 2013 to accept the 50% off offer from C.K Edrupt & Co. I'm also aware that I might be sounding daft in this thread for worrying about it but I really just want to be sure when it comes to applying for anything in my future that this is not going to affect me. I have now received advice telling me to ignore it but I don't want it to affect me anymore than it already has. Thanks again. PS I know I over think things but I'm just a young guy that wants to be sure and think about my future rather than ruining things with stupid debt.

I'm new here and I'm just looking for a piece of advice, long story to understand but here goes nothing when I was 18 3 years ago I let my mother who had just been made redundant take out one of these loans in my name the amount was 600 I'm sure but not 100%, as far as I was concerned she made every payment on time and the loan was paid off during the agreed time but it turns out she lied and I only discovered this when a letter dropped through the door from C.K Edrupt & Co solicitors asking me to pay the remaining balance of £413 and I confronted my mother about it and she said she will get the money and pay it but around 1month passed and she came up with nothing but this week another letter has came through from C.K Edrupt again saying they are willing to accept 50% of the amount due if I pay in full, which I'm more than willing to do as I will just pay it. The questions I have are is there anything I should know before making this payment over the phone? Like asking them to send me a receipt or anything like that. And the next question I have is will this have a really bad effect on my credit score in years to come as I embark on getting my own mortgage ect in the future, everything else I have ever had on my credit file is perfect and this has got me really worried about things looking to my future, many thanks for any replies I get and I'm very sorry if I've posted in the wrong section.