Sorry to bring this up again! BUT here is an update on the nightmare that is going on. l did write them a letter, they received it and somehow have failed to understand that l do not want them phoning the house! They even had the cheek to ask my husband for my moblie! Errrr, if l said do not phone, means House AND moblie! They phone every other day sometimes twice a day! They are not accepting my terms at all. They will not say anything in a letter except, phone us! l wrote in the letter that the phone calls must cease and this, of course, has not stopped them. They want it in full NOW!! They will not accept payments at all! I haven't sent in the money yet because, stupid me wanted them to say "Yes that's fine!" But that's not going to happen any time soon so off l go to send in the first instalment! I just want the phone calls to stop and they are not listening! When l get the postal order l am going to take a photo copy of it, along with the receipt, each time l send a payment, and send it all in. Oh and send it recorded delivery! IF l keep getting harassed over the phone l will then phone in a solicitor and see what they can do!

Thanks so much for all your help! The debt is a FE College tuition debt. I had attended college last year for only a few weeks. l had gotten sick and had to stop the classes right before l had sent in the grant paperwork. l didn't think anything about paying for the course as l had quit. (my fault) Then in April l received a letter from the college demanding payment in full! £371 total. l called them and explained my situation and the woman in the finance office said "tough pay up!!" Then in August l received this letter from TNC demanding that l pay £251. £120 had been taken off! Then about 2 weeks later l get a letter from the college offering the £251 so l called them and she said "pay up now!" l again explained my situation and they said "tough you could have offered payment with us but now it's gone to collections!" But how could l have offered payment to the college when it was given to the collection before l had received their bill? So now that leads to the above part. l did offer them £20 a month...Believe me if l could give more l would, and some months l am able to IF l have done extra time at work. I only get paid once a month and with putting food on the table, heating, lights etc and diesel for the car so l can get to work, it pretty much takes most of my wage. l really don't want them garnishing my wages! If l had someone to borrow the £251 from l would and just pay them but l don't, so this is what l am left with!

Hello, How do you go about paying off debt collections? l have offered them £20 a month and they said no and would only accept their offer but l can't afford that since l only work part time. They would only accept my £20 IF they saw proof by way of Bank Statement. He said that l could not delete anything on the statement and could only send it as it's sent out to me. l told them to stop calling and l would only speak to them through mail. They stopped calling but now l have a letter in today saying they are going to take me to court for full payment and that l would have to pay court costs etc. They also would garnish my wages for payment. So if l started paying them £20 a month that l offered, do they have to accept it? Will they still take me to court? If l pay them by postal order and sent it registered post how do l keep proof of payment? Is that the receipt the post office gives you or should l make photo copies of the payment? I know that sounds like a dumb question but if l am going to pay them, l want absolute proof that l have paid! Thanks so much for your help!

Well here's and update! TNC phoned me again and l told them that l would only speak to them via mail from now on and that l would start sending the £20 to them asap. The man said no that all l was allowed to pay was 1) £63.00 for 4 months 2) £42 for 6 months 3) Bailiffs! I told him that l could only afford was £20 and he said no! He then told me that if l wanted to pay the £20 that l would have to send in my bank statements as proof that l could only afford the £20! l refused! they also said that they would not be sending me a contract agreeing to any amount because it's too expensive and that the only contact they would make with me is via the phone!

Thank you both so much for your help!! I appreciate your kindness! Will definitely keep you posted on the developments! I will be sending postal orders instead of the prepaid credit card. l never was very comfortable paying with the credit card. thank you again!

Hello, I attended the FE College last year for about 7/8 weeks. I had some medical and personal problems that prevented me from returning to class. l had just gathered up the documents to send in to get the Grant paperwork when l left the class so l did not send in the Grant paperwork. I hadn't heard from the college until April of this year saying l still owed the £371 for the class. I phoned the college and was told that l had to pay this debt even though l did not attend the full year. The woman on the phone told me that if l had quit the first night l wouldn't have to pay and since l took the next few weeks that l owed the whole year! She said that they could have filled my place in the class but there were plenty of places left in the class that it wasn't a problem someone else signing on with me there or not. She told me to pay up now or else they will contact the Collection Agency and get the bailiff's out get the money that way. I am in N Ireland. l work part time 20 hrs a week and my husband is disabled and can not help me pay this either. l am not refusing to pay this just don't think it's right that l have to pay for the whole year when l only took a few nights classes. It wasn't my fault that medical problems arose which caused the other personal problems to arise with it but l do understand their position too. I contacted the CAB and she told me that l was responsible for the debt and that l would have to pay. I received a letter from TNC Collections today and instead of the £371 they have reduced it to £251 to pay immediately! l told them that l could afford to pay £20 a month and they are not having any of that either, they want all of the money right now or else they will take me to court. Sadly l only work part time and l don't have that sort of money to give over to them right up front and l only get paid once a month. How do you go about paying the collection agency anyway? Credit card? Postal order? l have a pre paid credit card that l could put the payment on there and send that way. Otherwise there's just the postal order. How do you know if they would apply it to your account anyway? Yeah, l am being a wee bit paranoid about this but it scares me to think they will send the bailiff's around when l have offered to pay. Any advice would be greatly appreciated!! Thank you!!