I am new to this and would like to ask for some advice.
Unfortunately I got my self in a payday mess, I have had several which i now have payment arrangements set up.
Due to 1 tough month I did not stick to the payment arrangement with WDA and they straight away passed this to DCS (DRS)
The amount that was owed before i failed the payment was £340 - DRS have given me 2 options:
Pay £401 now.
Pay £580 over 6 months
I asked them to have a full break down of the charges added which I got the response of " it's the APR mate"
I wish I could pay the full amount but I am unable to.
I gave them an offer of £40 a month which they declined, I ignored the calls so I could have a think, they repeatedly called my work desk phone which got me in trouble as the calls are monitored. They said they will apply for a attachment of earnings which will be taken straight from my wage (again this does not look good to my boss I imagine), so now I am a bit worried.
If £580 over 6 months is the best option to you guys? then I would go ahead and do this, but without exaggeration I will be eating rice for the next 6 months.
Also does anyone have any experience with this DCA? I talked very calmly and professionally on the phone and the person I spoke to got excited very quickly like I owed him personally money, I asked them to please stop calling my work phone (stupid me for giving it to them on the WDA application) which i got a response we can call your work phone or your employer at anytime we want.
The stress levels with me are on the rise so would appreciate any advice.