The payment I missed was a direct debit that included my monthly payment for the water I'm currently using, and money owed from my previous property, which was a student houseshare that two people left before paying the final bill.

Hi, I've received a letter from Severn Trent threatening me with a CCJ over a relatively small amount (£79). I'd had a payment plan set up with them but due to me leaving uni and finding a new job, I'd missed my payment in June. I've now received a letter saying if I don't make the payment I'll be taken to court and when I rang them today explaining I could pay it off in full at the end of this month I was very rudely told not only would they wait that long, but they'd be going ahead with the CCJ proceedings if I didn't make a payment whilst on the phone. I thought this was a bit extreme as I'm willing to pay, I just don't have the ability to do so until the 28th so I asked to speak to a manager, but I was simply told no and was left with no options. Is this normal? I understand that I've missed a payment, but I thought there would be a little more room for compromise given that I'm not trying to avoid them or anything.