thankyou tinkerbell feel a bit better now still not sure if i should give them a phone or not don't feel i want to deal with them over the phone to be honest would prefer to email.

hi there i am also having trouble with speed credit i had sent them 6 emails asking to come to an agreement about a repayment plan only to recieve emails back saying thankyou for your message this is how much you owe and that it was overdue.I then sent them an email saying i was fully aware of how much i owe but you are not answering my question about coming to an agreement on a suitable repayment plan i then went on to say if i didn't hear from them soon i would have no option but to seek legal advice then 2 days later they have sent me an email requesting me to phone them.From reading everyones posts i would rather not phone them as i understand they are difficult to deal with and also would rather have any emails as evidence if needed,do i have to phone them or can i request only contact through emails? Any advice would be greatly appreciated getting really worried about the mess i now find myself in through my own fault.