Brooce
I can't recall anyone who has come on here recently advising that they have had a low F&F accepted. I think the debts these companies are holding are so huge, that they are probably very reluctant to accept too low an offer. Perhaps those that have had offers accepted are told that they should not publicise this and therefore are too afraid to post.
Many years ago a relatiive of mine, handed the keys back to their mortgage company and were left with a debt of more than £20k. They offered £2 or £3k as an F&F after setting out their financial circumstances and this was accepted.
Huckster