Here is the email;
Since you have stated that you are not able to make the payment in
full, we have been willing to arrange a repayment plan for you, so
that you could pay the debt off in parts. We have even been willing
make the repayment plan offer to you without the required evidence of
change in financial difficulty and the respective income and
axpenditure sheet. However, as it is with all other purchases - in
case you wish to pay for something in parts and over a longer period,
the total amount to be paid, will be higher then the amount you would
need to pay if you would make the payment in one go. As previously
explained, there will be no penalty charges added for the overdue time
during the repayment plan period, however a small daily interest will
remain (because the funds that have been issued will be returned over
a longer time period) and thus the total amount of the repayment plan
will be higher then the current balance. It is the same with all
purchases that you wish to pay for in installments.
We have no obligation to arrange 0% repayment plans.
This has been our best and final offer.