Thanks for the advice. I'm just wondering why I should contact them via post instead of by phone? From everything I have read it just seems to be a way of delaying the repayment process.Is this the only reason for postal correspondence? Also, if I were to write to them, can they demand a minimum monthly amount, or can I say that all I can afford is £20/month. Do they have to accept what I offer to pay? Any further advice will be greatly appreciated. Thanks

Hi guys, im just looking for a quick bit of advice. I have a debt owing to wescot credit services of just over £2000. I fully intend to pay it but have been ignoring their letters for the past few weeks. I'm a little scared to phone them incase i cant afford to make the repayments they suggest. Can anyone suggest what the minimum payment usually is for an amount this large? I can only afford to pay about £50/month. Do u think they will accept this? Could i even offer £20/month?? Any advice will be greatly appreciated. Cheers dave