Theres been a bit of a hiccup this month. I've just received a letter, claiming a payment is late and now i have to pay the rest of it before 22nd of october plus £51 for a court hearing. Totalling up to approx, £650. Normally my gf pays this and as its been a busy month we've just totally forgot to do so, now i'm a normal person i usually pay all my bills on time etc, i dont have a criminal record so why do they have to take me to court? All it takes is one quick phone call to ask why i havn't paid this? Now ive paid last months and im going to attempt to call them on monday morning while im work, but this is usually hard as i never have time and the opening times are ridiculous. Has this ever happened to anyone else? Is it easy to sort out? Have i actually lost my right to pay monthly or could i just setup a direct debit and this would be fine? Expecting someone to pay £650 up front is crazy.