Past due credit solutions

Gemstar1210

Hello - looking for some advice please.

Have received a letter from the above company about a debt with southern electric from my previous address that I left almost 3 years ago.

I am not necessarily denying the debt as I had a period where I was quite mentally unwell and let things get on top of me.

The letter states that the original debt was £800 and there is a “fee” added of £121.28, taking the debt to over £900.

I do owe this money and so need to take my head out the sand bit could I argue over this “fee” that’s been added? I have no idea what the fee is.

They have also said southern electric are willing to accept £465 to settle the account. I don’t have that amount to hand. Is it worth asking if they’d accept the lower amount over a period of time?

Sorry for all the questions! Thanks for any answers in advance!

[Deleted User]

The reduced amount will be for immediate settlement only

You can ask them for a breakdown of the debt if you need one.

Gemstar1210

Ok thank you.

I have gathered that it!!!8217;s best to do stuff in writing. In asking for a breakdown of the debt would the advise what the fee is?

The original balance is my debt. Just facing such a large amount I don!!!8217;t really want to pay a fee on top!