look i think i can be of help here, i actually work for santander cards collections AND viking collections im one of thsoe people who call up and ask for your money lol just tell them that you want a PTPV arrangement that will allow you to pay a certain amout over 3 months, after the 3 months the arrangement can be set up again they will probably devide your balance by 3 and ask you to pay that 3rd of your balance every month but you will most likely be able to barge your way into paying less than that if you can get a referance number from the ccca or cab then ciking will be able to freeze your interest on a financial difficulties block if you need anyhting else to do with these type of collections ive got the inside info pm please