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hiya and welcome to cag

 

ive not much experience on full and final yet, still learning but if you dont ask you dont get is my motto lol

 

have you obtained a copy of your credit agreement? is this for credit card, loan etc

 

i can see this is your first post so not really sure what you want to achieve by the offer of 10%

 

i would say from what im learning is that if they dont have the original cca or its not properly executed you perhaps might have more chance to negoitate a f&f

 

so give us a litte more info without any of your personal info and we can try and guide you in the right direction

 

just didnt want you to think no one was bothering to reply to you

 

take care laters angel x

Im happy to help with support and my own thoughts, but if I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action.:)

 

my new motto is,,,",Taking back control of your life and home - such peace is priceless"

 

This is all due to truecall device , have a serious peek at this you will be thankful like I am x laters angel :D

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