"We had a real bag of mixed creditors that we owed between £1200 and £7,400 to each. We’d had a go at getting a debt settlement ourselves and got caught out a couple of times by their sneaky tactics. One company we sent a full and final debt settlement cheque to cashed it then turned around and thanked us for our contribution and wanted to know when would we be paying off the rest!! We were so angry. Instead of sorting out our debts we were getting deeper and deeper. We contacted writeoffloan.com after searching on the net for advice on full and final debt settlement and they agreed totake on our creditors and get the debts settled once and for all. It was a massive relief to hand everything over.

We now know we didn’t stand a chance against the creditors and their sneaky nasty tactics when we approached them about debt settlement, but firm who helped us were used to dealing with them. They managed to get a large amount of the debt reduced; at best 30% of one debt and at worst 70% off another one, with the rest falling in between. We’re very, very pleased with the debt settlement and the stress we felt before has pretty much vanished now."

"My experience of full and final debt settlement has been a complete stonewalling from my creditors when I suggested it. None of them were willing to accept a debt settlement of anything less than 100% back. Trouble is, I’m not good at arguing my case on the phone and my creditors just ignored the letters I sent. However they seemed to back down really quickly when writeoffloan.com suggested they should help negotiate for me. I ended up getting a full and final debt settlement of 60% from one creditor and 73% from the other. I guess it is because they know once a professional team gets on the case they can’t treat them the same horrible way or bully them like they can a normal person so they just settle quickly and then go on to the next poor person."

"My debts started accumulating about 11 years ago. I ended up running up about £40,000, not from spending on silly things, but I lost my job and started borrowing from one company to pay another. I didn’t actually know anything about full and final debt settlement until a friend told me about the concept, but I was too worried to attempt it myself. I’m not very good at negotiating and some of the debt companies have tied me into knots on the phone in the past when I’ve talked about debt settlement. Writeoffloan.com did everything for me and in less than a week they came back to me and told me they had managed to get a debt settlement of £27,000!!! That’s absolutely amazing. My outgoings have halved every month now and I’m in the process of getting a mortgage, which was unthinkable a few months ago."

"By the time I contacted Writeoffloan.com my dispute with my creditor had escalated to screaming rows with debt collectors in the middle of the night. They actually sent a collector to bang on my door at gone 10pm one night, and frightened my wife and kids. I went absolutely loopy and ended up having a screaming row with them in the street, I’m sure much to my neighbours’ entertainment. That was a turning point. I knew I had to do something quickly to sort the situation out and get rid of this scumbag once and for all. Writeoffloan.com help me take them on and after a few weeks of them still trying their aggressive ways – to no effect – they gave in and accepted a full and final debt settlement of 57%. We had to raise the money from our mortgage, but it was worth it just so my kids don’t have to be frightened like that again."