Wipetheslate
Registered User
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- 51
HALIFAX CREDIT CARD BALANCE 12550 SETTLED via cabot financial (Halifax collection agent ) FOR 3000. on 21/11/2011
MBNA CREDIT CARD BALANCE 14750 SETTLED FOR 7500 via MBNA debt manager.
within last 6 months .
Hi
I'm particularly interested in your dealings with Halifax. I have a CC with a balance of 2600 Eur and to be honest, this debt is the least of my worries - I have unsecured personal debt of over K! (long story that I would rather not share as to how it was racked up)
What approach did you make to Halifax or did you just stop paying? It seems like you offered them ~40% of your balance?
Any advice appreciated
marked on credit file for 6 yrs
who are not concerned about their credit rating
Someone in the US who runs into financial difficulty in the States is branded a hero for having the guts to give it a go. The same person in Ireland is treated like a pariah. That attitude must change.
In the states you can't even rent an apartment or get basic utilities connected without good credit.
HALIFAX CREDIT CARD BALANCE 12550 SETTLED via cabot financial (Halifax collection agent ) FOR 3000. on 21/11/2011
MBNA CREDIT CARD BALANCE 14750 SETTLED FOR 7500 via MBNA debt manager.
within last 6 months .
marked on credit file for 6 yrs
Just to give anyone trying to clear credit cards and who are not concerned about their credit rating an idea of percentage to offer . I offered 4000 for MBNA but they wouldn't budge below 7500.
Has anyone agreed a short settlement with B of I. Hear they wont settle for less than 85% of what's owed.
Did anyone achieve a better result and if so how ??
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