What sort of letter would you recommend I write to Student Finance ? Do you think it's best to just write to them and say I can only afford to pay a few pounds a month?

I have contacted Student Finance and they said I HAVE to contact CCS about it and they can't do anything as it's been refered to them. What are my options. I can only really afford to pay max £10 per month back.

Thanks for the help everyone. In answer to BB. I have no form of income at the moment. My girlfriend has been supporting me. I have been doing graphic design work here and there to see me by. I was on medication but it seemed to make it worse and I have always been one to stay away from any medication at all, I believe it just makes things worse most of the time especially when it comes to depression. I have had a couple of friends have very bad times from using anti depressives. This is the only debt I have, other than my overdraft but I don't think that is counted as debt? The bank is currently not charging me any fees at the moment as it's a student overdraft. Yes I believe they will send it to my parents address although I think my mum sent a letter to student finance after receiving one asking if she knew where I was. She sent one saying I don't live there and she doesn't know where I am. I have not contacted SLC since April/May but I plan to do so in the next day or two to let them know my situation. I won't contact CCS as suggested. Thanks again for the help.

Hi all, I was studying a creative media HND course at College. However, I was suffering from bad depression due to money issues, personal health reasons and something bad me and my girlfriend were going through at the time. I completed my first year, But in my second year I left a couple of weeks after my April Payment (2015). Student Finance contacted me at that time and said it was classed as an over payment and that I owed them £2500. I already owed some money out and whatever I had left I had to pay the rent until August where I was living as I was in a contract and didn't have any other money to live on. With all what was going on I ended up forgetting all about it as I had bigger issues at the time. I have just received an email from CCS collect telling me to ring them, and i'm guessing it's the student finance. I would like some help and to see what my options are. I don't want a CCJ but I also can't afford to pay back anything either. I am really struggling at the moment, no longer speak to my parents and I have been staying on friends sofas for a few months now. Is there a minimum payment that I can set up with them and how much would that be. Although I probably can't afford what they are asking. I also have a £1800 overdraft with a bank that's maxed out. So I technically have less than 0 money. If anyone can help me and suggest what the best option would be that would be great. I really don't think it's fair that I owe them this money back and why they can't just take it back when I am earning a salary like any other student. I left with depression and still needed that money to continue to pay my rent off for the student year.