Enforceable debts and Settlement offers

Enforceable debts and Settlement offers

Today, 17:04:PM
Hi, i'm new here and i'm just after a bit of advice please. My husband and I have been in a DMP for about 10 years, paying back several debts. We owe about £37,000 and it will probably take another 30 odd years to pay back. We've looked into full and final settlement offers which we've received from Cabot and NCO and they have offered 60% and 65%. I don't believe we've ever received one from PRA but rang and spoke to them and they have offered 45%, 50% and 55% on the 3 debts with them. We have taken out a loan to possibly pay everyone back, but can't do the whole lot (if PRA offered 65% like Cabot then we could afford it). They say they won't budge on the offer. Is it likely to be an enforceable debt and should I ask for CCA or would it have repercussions? Was kind of hoping it would be a way of getting them to play ball and go for a lower offer. Thanks