This is probably in the wrong place, so if there's a more appropriate place for it to be, Mods please feel free to move it.
Long story short, I have an agreement with a debt collector (Intrum Justitia) to pay them a certain amount each month, following my mismanagement of a BoI loan I took out when I was previously in full-time employment (For what its worth Loan Protection Schemes stand for nothing, as I discovered when I was made redundant).
The agreement was for an affordable amount, and we have had no problem meeting the monthly payment. The arrangement has ticked along nicely for the last couple of years with no hassle at all.
However, on the 3rd of Jan I received the monthly payment notification, and they had doubled it! (so first question is, can they double the agreed payment without discussing it with me at all?)
We assumed it was two months at once, so paid it with out checking...but since we have checked and the December payment clearly shows on our bank statement, and I have the payslip stub on the desk in front of me.
Now to the second part of my dilemma.
The January payment letter was dated 3rd Jan 07, but it gave a due date of 29th Dec 06, and a deadline of 5 days. Well the date of the letter had already missed their own deadline! We made the double payment on the 4th.
So now on the 8th of Jan I receive another letter claiming a broken payment plan, and demanding the full amount immediately.
So, can they double the agreed amount on their own whim?
Shouldn't they give me a chance to pay and for the money to clear before they start getting hysterical and demanding immediate full settlement?
My next step is to ring them as soon as our bank account shows the money gone out of the account (so we have an electronic bank reference for the transaction...as well as the payslip receipt in our hands). Just checked the account online today, and the money hasn't gone out of our account yet (it was paid on the 4th).
So, before I phone them I would love the collective wisdom of those on here who can give me advice on this situation.
Thanks in advance.