Yes i signed a terms and conditions but theres no way i could find it... And you say send a letter pleading ingnorance, Are there any templates i could use to keep me on the right track? Thanks for the advice.

Have a letter through the door from a dca acting on behalf of Northumbria University saying i owe £200. Now the debt comes from fines i was given when i lived in the halls of residence for having socks over my smoke alarm when i was smoking in my room. Yes, very stupid i know and would certainly not do again... This was 2 years ago by the way. However i am incensed that they feel they can fine me over this so i do not plan on paying this "debt" They are called STA Graydon and the juicy bits in the letter are as follows; "Your failure to take the above action within 14 days could result in legal action, and this may involve: STA Graydon instructing solicitors to commence legal action in the county/high court, resulting in a judgement/decree being issued against you, Court action requires you to pay the full balance outstanding, plus interest, court fees and any other legal costs, A judgement/decree being issued against you that can seriously harm your chances of getting credit." It then says the same again overleaf but shortened. Underneath that there is a section saying if you cant pay the debt in full we will consider regulat installments however will need a full assment of your income etc etc... Where do i stand with this, am i just going to have to pay up? Any advice would be greatly appreciated.