i was a party planner and my earnings didnt really cover much slowly i slided down to the point where i wasnt making a penny for my time i packed up my whole kit (just over £250 worth) and sent it back via their choice of returns. They are now trying to claim i still owe £220.00! even though my kit should have covered it. with various tennis emails ive decided i will just repay what i supposedly owe and what not. i sent them an email yesterday saying i was willing to set up a payment plan of £5 a week, (£20 a month) and would like any interest or charges frozen so i can repay what i owe without digging deeper in debt. i have had this for a reply : Collections Team wrote: Good afternoon Hazel, Thank you for your email. Unfortunately we can only set a payment plan up of 3 months, and therefore we are unable to accept the payment of £5 a week. If you have any further queries please do not hesitate to contact us. can they actually do this? i replied asking how much it would be over 3months this is the reply : Good afternoon Hazel, That would be £73.98 for 2 months and £73.99 for the last month, we would need you to call us to make the first payment and to set up the payment plan. If you have any further queries please do not hesitate to contact us. can they only set up a payment plan over 3months? what is the difference to if i want to set it up over 6 months? ive replied to try and haggle it over 6 months any help here?!

I used to be an Ann Summers party organiser. I packed it in over a year ago, sent back the demo kit and all was well... or so I thought. I recently received a ‘FINAL DEMAND’ (in big red letters) from Capital Resolve for a £20 debt to Ann Summers. I have no idea what this is about. I sent back a letter asking for more information on the debt. The other day I received a large postcard with ‘Notification of Home visit’ on it, along with a freephone number which I called. My letter was apparently lost in the post (yeh, right) as I didn’t send it recorded. They still wouldn’t tell me what it’s all about but asked me to e-mail my request. To make things more interesting I’ve moved house and the letters are going to my parents’... I tried using the Noddle thing but I don't have a credit card. What to do next?....