Thanks DX but you've got the wrong end of the stick
- it is a bit of a waffly post now I reread it, sorry!
Nobody owes me money and I've no problem with repaying by direct debit when I'm not deferring.
The problem is that for 6 months last year when they should have taken money, they didn't and the first I've heard about it is via a default notice giving me 25 days to pay the 6 months of missed payments.
I suspect it's not a legal default notice as they've made no effort previously to tell me about the arrears.
In an ideal world,
we'd agree that they missed th