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I'm sure this has been answered somewhere on here so forgive me if anyone has to repeat themselves.!


I have a remaining debt to Sunny of £500.

Last year I started to try and pay back £25 back a month.

I couldn't pay it back at the time due to other debts.


I remember I did I&E over the phone at the time with a very nice lady and the £25 was accepted.


They now keep phoning me.

I did answer the call in the end and got some man at the other end who wanted me to do the I&E over the phone again.

This time I said no, I wouldn't do this over the phone

I had already been accepted for £25 so could I continue with this.


He said he would send me a form and ignored the fact that I had an original offer, which I assumed was voided due to my not paying.


This was over month ago now and he has not done so.

They also keep phoning me but I have been told not to speak to them on the phone.


What can I do now.

They do say that emailing or writing to them does no good as they do not pick up email or letters which seems a bit odd to me.



Any advice would be appreciated.

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Write/email them obtain proof of posting for any snail mail or read receipt for email.



Your letter/email should be headed "Formal Complaint"



Advise that you will only deal with them in writing - that they are to remove any telephone numbers from their data base. Under no circumstances will you discuss your financials over the telephone.



Advise that you have made them a repayment offer that is unlikely to increase. That no amount of telephone calls/harassment will increase your income.



If they continue to telephone after this, then you should escalate your complaint to the Financial Ombudsman.

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