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It would seem that the debt originally was 6K+ however after added interest and other penalty charges it ammounted to 8k+ and given my daughters circu...

I take your point,but I still believe that it is handing a loaded gun to a complete stranger in the hope he knows how to handle it safely,my daughter ...

It would seem that there is no hard and fast regulation then? it seems to be all centered around "it depends" and really unless you owe 10's of thousa...

I would be getting my lump sum and pension date post dated, and, any cheque the same and chuck it in a drawer for 8 months and the less people you tel...