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That doesn't sound cynical at all. I was just trying to point out that the offer probably just reflects the deep poo that they are in. It's an emotive word, and probably would protect the person in debt while being in danger of in turn screwing the debtors........

Going back to basics, it is only an offer. They will presumably be doing this with all the creditors. I think it is the same as what the CAB would do, and will be based, I guess, on the individual case. If you go back and explain the situation - particularly if it is going to give you grief -...

I don't have enormous experience of Christians Against Poverty. As someone involved in the Churches around economic/social matters they would not be my first port of call around such matters, although I think they are a perfectly respectable operator. I believe they do work on the basis of...