hi guys,
i have written to all creditors/debt collection agencies to provide with the agreemnts and sent them postal orders of £1 per agreement, in addition all the letters were posted via recorded delivery.
no one has replied and it has been a month now, where do i stand:
1: do i still wait to hear back from them as i have mailed them, fax a request and sent them additional follow up letter but no respond.
2: stop paying them, the negotiated agreed amount.
3: since they cant produce documents, am i in position to negotiate a reduced amount debt deal with them.
4: how much can i offer to settle the debt seeing that they dont have any documents.
5: can i get my credit report cleared on the basis that iam disputing the debt on the basis there is no documents available.
kindly advice as iam really stuck.
many thanks in advance