Could somebody let me know where I can find the text for a 'full and final settlement' letter agreement? Be much appreciated, nothing too complex, just a decent, all round agreement.
The moral of the story here is to keep plugging away. This particular debt, sadly one of many, is to Nat West Bank. I kept offering to settle and they kept telling me to stop making ridiculous offers, but in the end they have agreed to accept just over 50%. It's an uphill slog dealing with debt problems but every now and again you get a little light at the end of the tunnel.