This debt has affected me because I can't afford to pay it back in 1 lump sum. D&B want me to pay it back in 1 lump sum.
I set up a payment arrangement of $50 a month as that's all I can afford.
They accepted but keep calling me to up the amount. Which I previously told them I can't afford any more.
I also in the beginning emailed them off a list of my expenses and a financial stress form.
They declined this and said they don't do them! Even though I got the form from their website!!
I think it's crap!
When I first got the debt, I got no corrospondence from them no letters etc.
I went down to my local Centrelink office and they couldn't help either.
They don't care. And I still don't think the debt is right.
I highly doubt i owe them any money at all.
