A charge to pay and a charge for payment gives you 14 days to pay the debt in full.
You may have received a ‘Debt Advice and Information package’ with the charge to pay or charge for payment from your creditor, which gives you information on your rights and where and how to get advice.
Some creditors may be willing to negotiate an informal payment arrangement with you. If you have received one of these get debt advice from an organisation such as Trust Deed Scotland as soon as possible as we can give you tailored debt advice based on your affordability and our experienced debt advisers can explain any options open to you.
A charge to pay and a charge for payment are the final notice to you to pay and if payment is not received by the date stated on the form the creditor will start diligence.