Thank you for that advice ins was with admiral i will send a cheque for £30 as im not prepared to give them my card details do u think i should send a letter explaining my payment or do u think i should just send a cheque with my reference details

i wanted to cancel my car insurance which was going to cost me £77 i put on the tears and got it down to £30 which me and the car insurance company agreed to come out on 26th october 2012 never received a letter of confirmation to say this had been cancelled i received a letter dated 19th October saying they had wrote to me on numerous occasions saying they had tried to take it out the account and they couldnt (only letter i received from the company about the cancellation). Baring in mind it wasnt due til 26th. i then received a letter from company DCL dated 7th November saying i have a bill to pay of £50 they told me that £20 admin fee had been put on i also received a letter saying if i didnt pay this i would get a ccj and an additional charge of £200 for the legal costs and fees if i didnt pay this i would then get bailiffs coming to collect the debt i rang them earlier and asked if i could pay half on friday and the other half when i next get paid ensuring them it would be paid off before xmas the lady on the fone said that as it is such a small amount i would have to pay it all off in one go due to their terms and conditions but would have to pay over the fone obviously with my card details which im not prepared to do i was going to send a cheque.

I have received a letter from a debt collector saying i owe £50.07 i have asked to explain why this needs to be paid and why i have received this amount which they explained. I have agreed to pay the full amount in installments and they have said because this is such a small amount i have to pay in full if i do not pay in full within the next so many days i will either have a debt collector or i will receive a CCJ with additional costs of £200 i know this seems a bit silly posting on here for just £50 i would just like to know if i am within my rights to pay in installments or if they are just being awkward and using empty threats