My OH has a repayment plan with this lot and continues to get reduced offer request letters on a monthly basis.   a recent payment was missed due to a banking error she received an e-mail (they do not have our phone details as refused this in writing) from 1st Credit advising and that she was to contact them to reset payment plan.   She made an on-line payment and sent an e-mail advising this and that all will be in order going forward.   Today she has received another e-mail