I have recently settled with the Halifax. I put off filling out the I&E forms for ages but reached a stalemate situation. I filled them out as I had no hidden assets, although I did have some furniture on finance that I perhaps shouldn't have mentioned (but then they can probably find out your credit and finance details?????I don't know for sure)(posted 8042 days ago)They sent back a payment proposal which was based on me paying off my finance first and then giving them that money once the furniture was paid for!!! For the next 10 years! I told them absolutley not........and offered them £2,500 and they accepted. I had previously been offering them £1000 which they were refusing. Just make the forms balance with no excess funds, I'm sure you are skint at the end of each month anyway, right?
God luck