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Coventry, Made a small offer - not accepted. What Now?

from Alena Ayers (alena@westcoastsolutions.co.uk)
Coventry BS are chasing for £48,000.00 from 1996 repossession. They admit Eagle Star paid out £24,000 on the MIG. Will not provide written confirmation from Eagle Star that they wish Coventry to pursue us for the whole debt. Have done the whole Data Protection Subject Access thing. They have provided us with details but there is no information prior to 24 October 1998. They say that any paper files before that date do not have to be disclosed unitl after 24 October 2007 because of the change in the Data Protection Act. Is this correct? Would they have to provide these details if we went to court? Anyway what I really want to know is what do I do now? We have offered £1,500.00 in full and final settlement. They have rejected this and gone back to " if we do not reach agreement within 7 days we will go to Court". We are prepared to offer £2,000.00 but no more. Have drafted a letter to say this but didn't know whether to include the facts that we do not own our own home, have no savings, own only one car, are paying off £10,000 worth of County Court Judgements. Checked on this site and it said never tell them anything personal. Should I keep quiet and just offer them the £2,000 and see what they say? Any advice greatly appreciated.
(posted 8446 days ago)

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