Amex debt collectors

debbage

Hello,

Please can someone help me with regards to this:

Newman Debt collectors again contacted me today with regards to my offer of a token payment for the next 6 months with details of my income and expenditure that I prepared with citizens advice and stated that they do not take offers at all and only want the full payment of the balance otherwise they will take me to court and seek a bankruptcy demand. I told them that all of my other creditors have agreed to this in the short term and that I have felt bullied.

I have explained to them if this was to happen then they would not get a penny as I am in negative equity and my mortgage company would take everything (which i have never missed a payment on) and I would also lose my job so they would not get anything from me and that I do want to pay them and will be in a situation in the next few months to start offering a better payment plan. They said they do not do any payment plans as my agreement said that I have to repay the balance in full if I default.

I have now asked for them by phone for a copy of this agreement and the gentleman on the phone seemed a bit put out and that I have to put it in writing which I am.

any advice would be of great help

Thanks