Thankyou for the replies!, One agency accepted 25% of my balance on my Flybe credit card but I didnt pay it and now it sold to Lowell they not willing to accept the lesser amount. does these offers expire? I would like to just pay it Im in Scotland so we dont get bailiffs but I just dont want to owe money , i want to try and get everyone paid to save these letters coming every day. I offered Bank of Scotland loan (no ppi etc on it) a settlement of £507 - debt is £3200, I received a letter to say they no longer dealing with it but they passed letter onto First Source solutions and they are willing to accept £1025, If I pay that then I t will look like I have favoured one creditor over the other, but I desperately want to start clearing these now. any advice on how i proceed? thank you x

Hello Everyone. I was made redundant 2012 - stopped paying all my bills - first time in debt and a big mess, I wrote to everyone when mum died and i was given a few thousand pounds, I offered small ffs offers to everyone based on calculations i found on this site - only one who accepted was a debt collection company on behalf of flybe credit card they accepted 25% of balance - the rest ignored me or said no they wanted full payment. I went into deep depression and never communicated again with original creditors until last month I contacted them all again - they now all sold to debt agencies - some wrote back and said to contact the collectors instead others ignored. I contacted the new agency dealing with flybe card (now lowell) they said the 25% offer is expired lowell want full amount. I dont have full amount - I have 20k of unsecured debts (all were paid regular until redundancy) none have been paid since then in 2012. I still have inheritance of just over £4000. Im desperate to get out of debt. just wondered how it stands re one company accepting the 25% offer wil that still stand or like lowell says no its expired. Any tips other than the standard letter templates to resolve the issue and offer ff offers or should i offer £5 a month till i find employment again? original creditors not wanting to communicate atall - debt agencies are now wescot, lowell and capquest what is my chances here? any help gratefully appreciated