Do you dispute the debt? If so, why offer anything? Get the lender's evidence, and don't let them threaten or harass you over a disputed civil debt. Come back to this board as often as you need to. And tell your MP (and mine, Mike Hancock MP, Portsmouth South, who is taking a special interest in all this stuff.)(posted 8387 days ago)The 'recommendation' to pay 20p in the £ seems very generous to Eversheds, if you ask me, given that people who use this site have reported settlements of less than 5% - which in your case would come to around £425 or less.