As I understand it an offer does not necessarily admit the debt provided it has been made on an "ex gratia" and "Without Prejudice" basis, which NAMV should have done if you are using them. I think I would cut the solicitors out of the equation altogether and write a letter direct to the MD of Halifax (making sure of course not to acknowledge the alleged debt, see previous postings) explaining the situation & that you have made an offer to settle of 4K, which was very close to the 5K suggested by themselves, and that now their solicitors have upped the stakes which you consider to be totally unfair. That if their solicitors continue in such a way you feel your only recourse would be to take the matter up with your MP and the National Press. Have you checked out the CML 6 year voluntary code angle ?? Good Luck.(posted 7432 days ago)Mark.