In a previous posting you say you are with a DMC? if you don't have a DMP? it's a £1 until your circumstances improve and you may even qualify for a debt relief order.. not wanting to give you ideas but if needs must Don't get down, will you. Take the offer to reduce your balance and thank you for sharing honestly, it will help not get others hopes up in plain greediness, that costs someone else their job.

Sunny customer here! Though never gotten an email response out of them... and they say the majority of their customers don't pay them back Have you tried making a payment OP and then seeing what options you are presented with on the drop down option on your online account? I find when I make my payment, for a short time immediately after, it does allow me to pick an option to pay less although the 'debt' sticks around that bit longer, it is one way to deal with it without any further hassle I am just referring to mentally, (*circumstances dependent of course*) Failing this yes you need to re-contact them as you say they have been okay up to now, hope you get the action you need x