Firstly you need to do a list of your incomings and outgoings and find the difference between the difference between the two – this is the amount you offer to pay them each month. If the amount is negative then you offer £1 a month as long as your outgoings are practical (no cigarettes etc). Send them the list with a letter explaining that that you are not refusing to pay you just cant afford to pay 300 right now. They are not allowed to harrass you – if you feel harrassed contact the CCCS for advice. http://www.cccs.co.uk/ It’s a free service.

 

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