I can’t afford to pay more than I’ve offered
If you’re sure the amount you’re paying is reasonable and it is all you can realistically afford to pay, carry on paying the amount you’ve offered. The payments should still be accepted and your account updated.
I think I can afford to pay a little more
If you have room in your budget to be flexible, for example you can reduce some spending without being too unrealistic, you could agree to pay a little extra. This will help creditors see you’re working towards paying off your debts. It could mean they’re more likely to agree to your repayment plan or stop extra charges being added.
Only reduce spending where it’s possible to do so. If there’s no room to adjust the spending in your budget, you mustn't agree to payments more than the amount you’ve already worked out you can pay.
For example, a realistic adjustment to your budget could be to temporarily reduce the amount you spend on clothing and footwear because it’ll only take you three or four months to catch up with your payments. As it’s a short term reduction you can probably get by with the clothes and footwear you already have.
An unrealistic adjustment would be cutting out some spending when you know you’ll have items to pay for, or cutting down so much that it’s not practical to live on such a small amount.
If you’re worried about the actions your creditor can take to get you to repay a debt, you may find it useful to read more about what your creditors can do.