A debt of £5925 HBOS was today settled for £1491 with debt collection agency Apex Credit Management.
So as you can see full and final settlement are achievable. They do take a lot of hard work and nerve to achieve them.
Anyway here is the letter received today:- Click on letter to enlarge.
Trying to achieve a low settlement has a very strict criteria. Always take advice before you consider doing a Full & Final Settlement!!