Thank you so much this is exactly what I wanted to know, I understand I am more than likely going to need to pay this - as I was paying previous things and trying to get all my bad decisions sorted from when I was younger cleared out, this particular debt grew. I was working with Jacobs prior like I said and was aware of the account, but they wanted to clear the initial one first.
I've no problem making a payment plan, it's quite a hefty figure and the previous agent did propose £25 a week but I can do more if need be. I just don't want someone breaking into my home tomorrow when I'm at work before I've had a real chance to arrange everything. And besides you're right about sufficient non-exempt items, the ex took everything pretty much! I think the only real thing of value is my computer which I use for work purposes.