Don't worry or bother with these idiots. You need to go to your local court house and get an administration form. They will take into account the amount of money you have comming in and going out and will arrange for you to pay the court and for the court to pay DLC. Remember the law says you need X-amount to live on depending upon your circumstances so you won't be left with nothing as these idiots would have you do.

God praise Administration forms. DLC & every other Collections agency I have ever come across hate them and hate us even more when we know how they work.

Once you have got your administration form you need to fill it in with all the details it requires including how much you can realistically pay back weekly or monthly. You then take this back to your local court and submit it with any documentation you have to back up your claim.

To be fair its much like applying for housing benefit or council tax benefit, there are always the forms which need to be filled in and the figures need to be verified. The court will then contact you and arrange a meeting to discus the finer details such as how much you have to pay each week or month.

As long as you can repay the debt within 3 years any figure you decide to pay back weekly or monthly will be accepted so keep the repayments realistic..

Heres the fun bit though. You can either wait until DLC or any other collections agency call you (which is much more fun when they threaten you) or you can call them and let them know you have obtained an Administration form and that should they wish to discus the matter further then they will have to talk to the courts as you have obtained an Administration Form. I love the silence it brings. Especially when some silly little idiot is threatening to do all sorts to me if I don't give them the exact amount they want whether I have it or not. The just don't take into consideration that there are people who would much reather pay the debt but just can't. They think were all dodgers

Remember to ask them very nicely not to call you again and warn them that should they harass you further you will be the ones taking them to court and not the other way around.

I loved every minute once I realised that the law was on my side.

You see half my debts were wiped clean when I obtained an Administration Form. I had been struggling to repay my debts after my husband died for over 5 years and all that remained from a few was interest. The court ruled that it was in my interest for the debt to be scrubbed and paid in full.

On a final note, I can't remember whether your debts have to be less than £3000 or £5000 to qualify for an Administration form but there is still hope. If your debts are greater than £3000 or 5000, which ever it is (you will find out when you file for the Administration Form, which costs nothing) then you may have to file for Bankruptcy.

Still the choice is yours eh! NOT THE COLLECTORS (DLC) So do yourself and your mother a favour and vist the courts tomorrow.