Thank you for the excellent advice and quick help. A change in circumstances meant it was no longer possible for me to pay the debt all at once. The people at PAIR Finance offered me an instalment plan which worked for me. This meant I could conclude the debt collection process quickly and did not have to worry about further proceedings. I am pleased that PAIR Finance were so understanding of my situation and, now I have paid the last instalment, I can look to the future with relief. Debt collection is not all bad :-)

Because I travel a lot, paying my bill slipped through the net and I landed up in the collection process with PAIR Finance. Although I found it a bit strange to be contacted by text and e-mail to begin with, it really helped to be able to authorise the payment from my mobile phone and pay my bill online. It is annoying to have ended up in the debt collection process, it was a simple procedure which was easily resolved.