With the financial advocate/guardian letter. How does that work in practice? How will I know if they have accepted my offer if I am saying not to contact me? How will I set up payment with Lowell for my £5 a month? I like the idea and have sent the first 3 letters to Lowell and want to send the expenditure list now as stated in the classroom. Anyone have experience with the finer details here?

Having sent the letters to Cabot and their associated Solicitors Mortimer Clark the following response received from them. I am preparing to respond with a letter backing up the authority of the sovereign debt negotiator path and possible amend the income expenditures details. Process is successfully working with other companies.

This company are threatening to raise the cost of my debt to £527.28 if I don't respond! I'm a carer and vulnerable, I'm giving them everything I can afford! We're cold most of the time, Im paying £400 a month to reduce the debt 😭 from other family members, can they do this? They're registered with the solicitors regulatory, I've practically almost to the point of paying it off and they do this

The SFS Is a standardised budgeting tool used across UK debt-advice agencies and by many creditors.