Lombard shoosmiths

[leeby]

I need some advice please. In 2006 I transferred an £104k asset loan from Barclays to Lombard,

 

 

I've continued to pay this debt every month, even through the harsh times.

 

 

However about a year ago I maintained payments but reduced from 1300 per month to 750 per month,

Lombard without notice bar a letter sent my account to Shoosmiths to force the final part of the debt circa 18k...

 

I now have 6500 left.

I have made an offer of 3.5k in full and final ( a family member would settle)

they wrote back saying they would accept 4k as partial settlement and no further monies will be chased.

 

However my credit file which means a great deal to me, I have struggled since 2098 but maintained a tight communication and avoided negative impact on my credit file.

 

I have debated the partial settlement on my credit file as this can be deemed gesture and impact me for a further six years.

How can I make an offer in full and final settlement, shoosmiths accept this settlement but screw me over by marking the credit file as partia settled.

I realise that Lombard/shoosmiths are posting fact, but full and final indicates just that...

 

It makes no sense for me to pay 4k full and final, when I should perhaps drag this out longer and settle in full.

 

Any thoughts? Thank you

[dx100uk]

so why are they offering a short settlement?

 

 

ever sent them a CCA request

 

 

ever sent them an SAR to get all the statements?

 

 

could be PPI/Penalties here up for grabs

[leeby]

Years back I'm sure I paid capital/ interest then a few days later a 26.00 fee would leave my account. I questioned last year about PPI but they said it never applied to my account.

Perhaps I serve a DSAR on them to understand the smaller amount.

 

I am willing to pay the 4k but only as a full and final settlement. I can't allow them to place partial settled as this will effect my future business opportunities as I'm personally checked for sine if my commercial lending.

Thanks

 

Leeby

 

 

so why are they offering a short settlement?

 

 

ever sent them a CCA request

 

 

ever sent them an SAR to get all the statements?

 

 

could be PPI/Penalties here up for grabs

[dx100uk]

no point speculating

 

 

get the CCA and SAr's off