Full and final- MarblesHFC no longer accepting

[Alan]

Hi all
Hope you are all doing ok during this festive season.
Nice to see everyone helping eachother out here.

I have had an IVA, and full and final settlement rejected through a third party company.

I am now contacting my creditors individually to offer full and final settlements, and 2 of the creditors (4 accounts in total for both) have accepted my settlement figure, at 50% of each debt.

Unfortunately, the next one on my list, MarblesHFC BANK, have rejected a £2500 offer of £5000 debt. I have been told that as of 1st December HFC Bank are not accepting any full and final settlements whatsoever.

Has anyone else heard of this or are they pulling a fast one?

Also I cannot get one of the agreements of the accepting creditors in writing, they have asked me to write in to request an audio file of the telephone conversation, again has anyone heard of this?

Thanks for your help in advance
Merry Christmas
Alan.

[MelanieGiles]

Not heard of either Alan - but HFC may well sell the debt on shortly, so you might be better off hanging on to deal with a debt purchaser. I usually find them quite amenable to early settlements, are you sure that you are making the best offer possible?