hi could anyone please help me ,i have recieved a letter from 1st credit(finance ltd) for some money owed back in 2004 ,,i have not recieved any letters previously to this i have had the first one today ,i am not one for owing money ,i phoned them up to deal with it offered them a monthly payment as i am unemployed and the want accept offer of payment they want it in full ,i told them i could not afford it in full ,they basically told me to get a loan to pay it,bieng unemployed its hard to get a loan ,so they wouldnt listen can anyone help me on this please