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Re: Pre Action Protocol Letter Received!!!!
Hiya
Sorry for the delay - maybe try something along the lines of the below - no guarantee but at least you'll get an idea of what they are chasing - good luck.
Hiya
Sorry for the delay - maybe try something along the lines of the below - no guarantee but at least you'll get an idea of what they are chasing - good luck.
Dear Sirs,
Ref: xxxxxx
I write with reference to the above numbered account and having spoken to friends and family I am able to borrow the sum of £200 which I can use as full and final settlement of the account.
Bear in mind that I make this offer purely so as to save on your costs because by pursuing a claim, you will add substantial sums to your outlay and thus make any claim un-economical especially because I intend to fully defend any such claim that may be issued and therefore you'll also need to pay for a solicitor to attend court on your behalf which all adds up (it'd be small claims and thus you are responsible for your own costs, as would I be).
I believe the original sum that was borrowed was £200 and I make the same offer in full and final settlement, to be paid in a single instalment within 28 days subject to a prompt response to my formal offer.
In consideration of this one-off offer, do not waste time haggling because I am poor and have a lot bigger creditors than you but can borrow a maximum of £200 and I therefore offer this as settlement. If you do accept this offer then it will be on the premise that the credit agency records will be marked as settled and that you will not attempt to pursue collection on any remaining or part balance you deem repayable - my offer is in full consideration and settlement of the alleged account; upon acceptance which would result in full closure as a settled / satisfied account.
I look forward to your response within the next 7 days,
Yours faithfully
Sign Digitally / Type Name (if emailed)
Ref: xxxxxx
I write with reference to the above numbered account and having spoken to friends and family I am able to borrow the sum of £200 which I can use as full and final settlement of the account.
Bear in mind that I make this offer purely so as to save on your costs because by pursuing a claim, you will add substantial sums to your outlay and thus make any claim un-economical especially because I intend to fully defend any such claim that may be issued and therefore you'll also need to pay for a solicitor to attend court on your behalf which all adds up (it'd be small claims and thus you are responsible for your own costs, as would I be).
I believe the original sum that was borrowed was £200 and I make the same offer in full and final settlement, to be paid in a single instalment within 28 days subject to a prompt response to my formal offer.
In consideration of this one-off offer, do not waste time haggling because I am poor and have a lot bigger creditors than you but can borrow a maximum of £200 and I therefore offer this as settlement. If you do accept this offer then it will be on the premise that the credit agency records will be marked as settled and that you will not attempt to pursue collection on any remaining or part balance you deem repayable - my offer is in full consideration and settlement of the alleged account; upon acceptance which would result in full closure as a settled / satisfied account.
I look forward to your response within the next 7 days,
Yours faithfully
Sign Digitally / Type Name (if emailed)
TM
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