If you look at the recent postings there are several by people who appear to have successfully settled with their lenders at a fraction of the sums originally claimed. I have been trying to establish how they have achieved this as the general advice about not filling in I&E forms is all very well, but it's not clear how to go forward, as your question identifies. I'm hoping someone will post these details soon as I am desperate to move on with my life after more than two years of angst. My instinct at the moment is to make a 'without prejudice' offer on the basis that I don't accept their claim, but I'm willing to negotiate a settlement in order to clear my credit file.(posted 8042 days ago)If they insist on I&E details then I may be willing to give some of these, since I am on a low income and have no savings, but I'm not willing to divulge who I work for.