Credit Card debt after some advice

[Deleted User]

So not sure entirely if this is the correct place for this.

Basically back in 2007 (I think) I took out a credit card with RBS/Natwest. Used it, maxed it out, paid it off and then used it again (Doh!)
However the second time I never maxed it out, I did however let interest build up. Subsequently I let it get out of control due to being naive and being a bit of a sh*tbag. I was contacted some time later by a debt collection agency, I set up a repayment with them, however I missed a payment or two and my bank cancelled the direct debit. This happened and I didn't realise, I used to be so reckless with money.
Truth be told I never really used to look at bank statements, I was only interested in money going into my bank. Silly right?

Anyway a company called 'Regal Credit' have contacted me and have basically threatened to come round to my house and repossess possessions that match the value of money owed.
I'm a bit worried, they have my address now which is alarming!

I might add I am perfectly willing to pay the debt, I work full-time and I am making efforts to pay off as much debt as possible. There doesn't appear to be any email addresses on the letter. They presumably want me to call their delightful call centre drones who will basically ask me the hilarious question of "Are you calling to clear the debt today?" Oh yes because someone that has a debt of almost £600 has that money just lying around!! Grrr.
The only email address on the website is for the "sales director" Do I send him a nicely worded email explaining the situation and in turn offering to repay the debt using standing order/direct debit of a certain amount each month?

I realise I was silly allowing the debt to build up and I'd appreciate not being berated for that. (Get enough of that from my girlfriend)

Cheers

grumbler

Just try calling them first.
They want money, you are willing to pay - this is a good starting point for speaking even to some 'drone'.

Treadmill

Firstly debt collectors have no power so seize anything from your home. That's just scare tactics.

Secondly, you have said you acknowledge that you owe the money so your best bet is just to ring regal credit and agree to pay an amount you can afford to pay, yes of course they will try to get you to pay the whole amount, wouldn't you if somebody owed you six hundred quid. However they will agree to a lower monthly amount.

If you dilly dally on this they will just stack on more charges, you could try emailing I suppose but if that's not given as a method of communication then it could be pointless.