The guy I spoke to was pretty smarmy and wanted to pretend like he was doing me a favour when he offered to discount my £1700 debt with Barclays by roughly 25%.

I rejected the offer, pointing out to him that I already settled another debt with Barclays back in October 2009 for 25% of the debt owed – that’s right, a £2,200 debt was settled for £550, they wrote off £1,650 – so you can see why I wasn’t terribly impressed with his offer of a 25% discount.

He did grumble about how if I couldn’t settle then they would need to come to an agreement with me about a monthly payment. I told him that I was already paying as much as I could afford – a whopping £1 a month – he told me that was not enough.

I told him that was all I could afford, he then got a bit angry and said I didn’t have any option then but to consider settling. I explained that this was not viable considering they have set the precedent by settling a similar debt for 25% rather than 75%, so they would have to consider that their ceiling in any negotiations with me over this debt.

He then pointed out that if I couldn’t settle or pay more then they would have to take legal action. Roll on another CCJ, whoop-di-do!

Related Pages

• Confirmation Of Barclays Bank Overdraft Settlement