Settlement-nearing the end at last

I have often used this site as a reference point over the last year and wish to thank everybody, especially Lee for the excellent advice. I have one final question before my last hurdle. I have been sent a letter stating that they "would be willing to accept a small one off lump sum payment to clear your liability with regard to this debt" and "I would be happy to accept £ in full and final settlement of this loss". I have had no income for the last 4 years and the bank caught up with me just over a year ago regarding a supposed shortfall of £17000+, I decided to stop hiding and told them that I had no money and they agreed to leave me alone for a year unless my circumstances changed.I moved during last year, but two weeks ago I took the bull by the horns and wrote to them to tell them where I was now living, but stated that my circumstances had not changed and they came back with this proposal-I have made no offer of any monies and the amount they are requesting is very small (I'd rather not give exact amounts or details of the bank at this stage)-what I am asking is when I pay the amount (which I have decided I will do)-do I need any special documents/specific wording on any correspondence to them confirming I will pay? I have read all the archives and am a little concerned over the "full and final settlement" queries on success story 4. There is no mention on the bank's letter of "without prejudice" so would I be safe from them if my circumstance change in the future?Urgent replies would be most appreciated.Thank you.

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