Garlando85, Last year I was in your situation, with the same company. I explained to ACS that we didn’t have much money; my husband is on job-seekers allowance after being made redundant. And it was agreed that we would pay £18 per week to ACS to pay off the debt. My advice would be, make sure you ring them and explain your financial situation. You don’t have to clear out your savings account, just pay it off in small installments and then it’s not as painful saying goodbye to the money. Don’t ignore the letters, because the trouble will build up if you do. It’s much better to sort it early, because if they take you to court and win, you will have to pay all the court and solicitor fees. Good Luck