Brooooooooooce:

Pink & blue jobs. Pink & blue!

So you've been at this 8 months (or possibly longer?). Have any of your creditors agreed to full & final offers?

I've never actually made any F&F offers, just requests to enter into 'meaningful and reasonable' correspondence to resolve the disputes. No take up as yet except from one who wanted 75% - I offered back at 5%. It was declined !