I think that whether or not you settle is a very personal matter, (of course) in that it depends on your state of mind and whether you're willing and can go on fighting for what you feel is right, to change the attitudes of the lenders and the likes of DLA and Evershits.(posted 8347 days ago)Paying a lender 5% of the debt just to get your life back isn't really the way to go about changing attitudes, but I think it takes a special kind of person to go all the way. For some, to get to a settlement stage, pay up and go home is a big relief, and some just have to do that.
I feel that the fact the HRP exists and the help that it gives has been very much a kick in the teeth for the lenders and their representatives, even more now than a year or so ago. No longer can they go demanding tens of thousands of pounds, threatening court action, bankruptcy and making people's lives a misery. For every person that doesn't know about the HRP and gives the lenders an easy ride, there is another who'll cause them as much grief as they've caused us.