I think the above is a reasonable strategy and is worth consideration. If you do make the offer keep it brief, make it clear you dispute liability but are making the offer simply to get them out of your life (otherwise if they don't accept the offer they will say you obviously accept liability - else you wouldn't have made an offer...)(posted 8312 days ago)However, if they do accept, your letter to them has to make clear it is in full and final settlement etc etc. I think there is a sample letter somewhere on the site, but if there isn't I'll put mine on. I got mine courtesy of NACABS policy unit (national association of CABS).