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Vanquis "Discount offer"


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Hi, can anybody advise please?

 

I currently have an oustanding debt with Vanquis Credit Card that totals £2812.42. I have an agreement with them to pay £40 a month for next 6mths then review the situation as i am currently experiencing dificulty paying all my bills. They were reluctant at first to agree to this but after threatning to pay £1 pm they have accepted this.

 

This morning i have received a letter from Lewis Debt Recovery, a local firm i believe in West Yorks, offering me a 50% discount on my balance.

They say if i pay £1406.21 in 7days to bring the matter to a speedy conclusion this will settle my account.

 

My question is why? Is this a tactic to get me to contact them? Why have Vanquis themselves not offered me this? Should i contact Vanquis to check if they have agreed to this?

 

If genuine, this is a fantastic offer and i would beg/borrow and try to raise this amount to pay this debt off and get it off my case forever.

If i do pay this settlement can i ask them to remove any bad marks on my credit file as part of the deal?

 

Any advice/help with this matter is very welcome.

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