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I don't owe the bank anything anymore.
I owe the collection company that bought my debt off them quite a lot though. so no, not happy.
(I helped save b3ta! Godzuki needs more sleep., Sat 13 Jun 2009, 11:27, archived)
Top tip:
If you make them a repayment offer they find it very difficult to get a CCJ against you. Work out what you can afford to pay, half it, and offer them that.
(I helped save b3ta! CowJam, Sat 13 Jun 2009, 11:29, archived)
tenner a week from my jsa.

(I helped save b3ta! Godzuki needs more sleep., Sat 13 Jun 2009, 11:32, archived)