The AGREED INTSALMENT plan they are talking about is an informal agreement between you and them, it is not binding. However they may employ a solicitor to recover all of the monies owed at this stage, but unlikely to receive a court date before June (arguing over a month, how petty). I had the unfortunate experience of dealing with debt collection agencies in the past and what I did, which made me smile a bit was to bypass them completely and repay the original creditor (vodafone in this case) the full amount all at once. If you call either party they will tell you this can't be done but if you have a previous bill you can pay it in the post office. Then let them seek all the judgements they want, as the debt will be satisfied when and if it goes to court. Therefore they do not get the commission for recovering the debt. It worked for me against Eircell, and GE Capital woodchester, both employed Intrum Justicia to collect, not at all helpful to deal with so I paid back both companies directly.