Got a letter from AVANT this morning to say my payment plan was now cancelled, and that interest and charges were being applied to the account as I had breached my agreement with them. I rang immediately, and was told to disregard this letter as it was computer generated. I am in fact still on pay plan but gone into arrears. Guy on phone said when I reach a certain amount of arrears, I would get a call from collection dept and because of our financial situation, they will accept a short settlement. I said how much, and he said its up to me to make an offer, so I said if I got my hands on €1000 (for one of the cards) would they accept that? He said no, but if I could get that figure a little bit higher that they would probably accept and register a default. But he said to wait till collections team get in touch, and to send in a new SFS so they know our current financial situation, but in the mean time keep paying whatever I could afford.