Hi All, I had car insurance with Quick Fit back in 2016 and after writing my car off I cancelled my direct debit as I didnt have a car to be insured. I have just noticed an email in my junk mail from Helix Collections chasing me for the "debt" which is now £200 when i think i only owed about £50 to Quick Fit. they have emailed twice in the past two weeks threatening further action and offering a 20% discount. Shall i just keep on ignoring them?? HERE'S THE LATES EMAIL.... Our Ref: XXXXXXXX Debt Type: Kwik-Fit Car Insurance Client Ref: XXXXXXXX Balance: �198.28 Telephone: 0203 096 XXXX (Calls are recorded) OFFICE HOURS 9AM TO 7PM MON - FRI 9AM 1PM SAT Dear Mr XXXX XXXXXXXX SETTLEMENT OFFER TO AVOID FURTHER ACTION We write again regarding the below vehicle, reference to the debt for �198.28 registered in your name for a Credit Agreement you had for car Insurance, which was underwritten by Kwik Fit Insurance, on a VAUXHALL on Reg XXX XXXX, which remains outstanding despite our best efforts to date no reasons relating to your circumstances has been given by you or an authorised third party. However, to stop the need for further collection activity, we are willing to work with you on an affordable payment plan, depending on affordability and if you are up to date with your priority debts, we have suggested an option below but are happy to discuss other options. 25% DISCOUNT. We are willing to accept the sum of �148.71, to settle your contractual defaulted debt, once this sum has been received the debt is cleared in full. Repayment plans We can offer repayment plans over 6 instalments of �24.79 Maintaining payments or settling your account will be positively reflected if your debt is registered with the Credit Reference Agencies. TO MAKE PAYMENT All payments through the post should be made payable to Hellix Limited with our reference number clearly stated at all times. You can make payment by Standing Order, or if your bank account allows by On-line or telephone banking Quoting Account Number 08763317 Sort Code 09-01-28 and our reference number, you can also make payment at any Santander Branch with our above bank details. Payments can be made by calling 020 3096 5899 Yours sincerely