Always contact card companies if you are having difficulty paying. Tell cap one about your debt line agreement, to make regular payments. If it's an non secured debt then it's harder to enforce. Default will be on your credit file.

You dont have to use BG. You could sign up to look after my Bill's, I think they are called, they will find you cheapest deal, then check every year for cheapest and keep changing you over, without you lifting a finger. BG is expensive.

I will attempt to make payment. Thanks

I contacted TVL they are not interested in helping me, they say my debt was passed to akinikia, and I have to deal with them, even though I have not previously been told my debt was being passed to a debt collector. looks like I have no choice but to deal with akinika, even though I told TVL that they won't get any money from debt collector, and that includes any thing owing after paying my small debt. Thanks for your advice

Thank you for reply. Akinika say do not contact TVL direct as they will refer me to them. I forgot To keep up my payments, I budget for other household costs and TVL gets forgotten. I will contact TVL and explain. Thank you for your advice I appreciate it. Cheers

Akinika is a debt recovery company 28.50 is total amount on letter no other charges shown. This is first letter I have had.

Today I got a letter from akinika saying tv licensing have past on my debt balance of £28.50. I not sure what to do about This, do I need to contact this company and arrange suitable payments which would include further payments towards tv licence. They say if I don't pay an enforcement officer will visit. That won't be easy as I live in flats and security don't let unauthorised visitors to access flats. I am unemployed. Thanks