ArcEurope. Reduced settlement offer. on an old Very Account

[sirbob10]

Hi

 

Just looking for some advice. I have a debt with Very. It's balance is £8500 although not sure why I'm assuming intereest and charges.

 

The last few months I've been getting letters from ARC Europe asking me to contact them which I havent. Today I get another letter saying their client is willing to offer a very reduced settlement if I pay within 35 days.

 

Is this normal. Why would they accept a reduced offer.

 

Thanks

[dx100uk]

because it probably unenforceable on its agreement

or the balance is 90% PENALTY fees or PPI.

 

 

ever sent them a CCA request?

 

 

is this on your credit file?

when did you take it out?

 

 

when did you last use/pay it?

 

 

dx

[sirbob10]

Hi

 

No I've never sent a CCA.

 

 

I've not checked my credit file as was worried this would allow my creditors to find me since I moved.

 

 

I used to pay through Payplan but stopped paying them in May 2014

 

 

but haven't used it for almost 4 years

[dx100uk]

credit file please

 

 

the address worry is an old wives tale

 

 

if you have a mobile contract or are on voters

or told any of you current banks where you are

 

 

the info is already there for them to see

 

 

CCA request is a must

£1 blank PO don't sign anything.

 

 

sar to shop direct - get all the statements and get reclsiming.

 

 

dx