For those who said to just pay the debt, not making excuses but being on benefit at the mo means money is tight at the min. Its actually my gf's debt, and as for the offers we made, debt is £300, we offered £3 a week which they refused, minimum they'll accept is £5. One of the phone calls we had about it they basically had a go for not atempting to pay anything at all towards it so we ring up their payment ppl, to make a payment of £3 by card and get told its not enough. So as far as I'm concerned we've made offers and we even attempted to make a payment. The debt I have the fookers can whistle for, totally different company, goes back 2yrs, they got to find me 1st, forgot to tell them I moved a few months ago.