Past due credit solutions

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!

Comments

  • [Deleted User]
    [Deleted User] Posts: 35,242
    First Anniversary Photogenic Name Dropper First Post
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    The reduced amount will be for immediate settlement only

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