bank loan settlement

recently had problems repaying a loan and wrote a letter to the bank saying that i had to reduce repayments due to financial issues. they replied that they had updated my account with my offer(seemed positive) but then wrote, according to my agreement my account will now fall into arrears. they said my credit rating MAY be affected and risks referral to the recovery dept. i called them and again the response inconclusive. does this mean my offer is accepted or not and should i expect further action?
Thank you

You should write to bank again reminding them that they had agreed to your reduced repayment programme and asking them to confirm this in writing and that your credit rating had not been affected by this. please keep in close contact and if necessary call or phone so that matters can be corrected.