my offer

[crunshiepunc]

my daughter owes a small amount of monie to a company . she is a student now and has hardly enough money to live on . so she offered to pay the monie a small amount each month they would not accept this and after many harrasing phone calls from them we suddenly got altter from a dept collection agency . we phoned them explaining she could pay the dept of each month they to said it was not good enough . they had avery aggressive tone and said they are going to take the matter further and she will then be liable for any court cost as well . can they refuse all her offers of payment .

[bednobs]

can i just be clear - she is behind/has defaulted? Has she an ageement that says if she defaults then the whole debt becomes payable?
if so then yes, they can refuse her offers of payments, and want the whole amount, and take her to court for a county court judgement.

[crunshiepunc]

no it was an home deploma she was doing at home the cost was 38 pd a month she became ill and could not carry on [ long story] so they told her to put it in writting that we did and paid the last month then weeks latter a letter arrived charging a cancelation fee.

[terambulan]

How much does she owe......hardly worth going to Court for less than �100.

[crunshiepunc]

its 50pd i know thats nothing to some theres just me and her i work and i hate to say this but working is a struggle and believe me if i could just pay the money for her i so would.

[Twenty20]

Was the cancellation fee in the documents she signed to start the course?

If it was and she simply cant pay it, then she has no option but to pay it off in installments. But.....as a student, I would imagine she would be able to get part time work which would give her enough money to pay it off? Even stacking shelves in a supermarket a few nights a week she'd soon earn enough to pay it off. Or an overdraft at the bank for 50 pounds?

Do check the original agreement though.

[crunshiepunc]

she never signed any thing all done over the phone.