Hello I had no idea so many people were having problems with this company!! My partner is being chased for debts going back a long time (will have to check at home whether it is 6 years or not!) I have only jsut found out about this site, or we wouldn't have agreed anything yet. I have read about the clause where if you have not been contacted in 6 years, then the debt cannot be persued, does this still count if you have made payments? When the first letter came, he called them and was pressured into £30 a month payments, they said they would not accept less. He lost his job some time ago, but is not yet eligable for JSA so really has no income. I said that i would make payments until circumstances improve but could not afford that amount. The 1st month I sent £30 as that was what had been agreed over the phone, but sent an accompanying letter explaining the situation and that payments of £15 would be made instead. The next months payment of £15 was sent and taken from my account, but they have since written to say that it is not acceptable and they will send an investigation officer round. Considering the circumstances, I think they're lucky to be getting anything! Have written back to say that this amount is realistic and reasonable and to ask why it wont be accepted. Can they refuse an offer such as this? The amount outstanding is just over £1000. Also, since 2 payments have been made, can we use the 6years clause? Thanks everyone.