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Help with old debt advise

lostmyname
lostmyname Posts: 59 Forumite
Sixth Anniversary 10 Posts Name Dropper
edited 18 August 2020 at 8:55AM in Debt-free wannabe
Hello everyone,
many years ago I went through an extremely difficult period in my life. I seeked assistance from a national debts charity  (it doesnt appear to no longer exist?) who helped me set up plans with £1 monthly payments. I owe about £7k for one old loan and about £800 for an old CC. Over the last few years i have got back onto my feet, improved my credit rating with new finance and a couple of credit cards which I am able to pay with no issues (it helped me improve my rating, ironically). I now had pretty much forgotten about the past and my debts. Last week i recieved a letter from Cabot stating that 'We need you to swith your payments as Im still paying the company my account previously'.
I am concerned that I have to go through my expenditures and all that stressful rigmarole again and that they will increase my payments which may then have a backlash on my finances.  I thought that setting up a payment plan will stop this bouncing back after many years!
What options do I have if any?

Thank you!

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