It looks like the CAB are dealing with her debts for her instead of Penningtons who are just in it for the money - the CAB do take on the case or help with letters - I used to work for them some years ago as a money advice worker.
They usually factor in for you to have some sort of social life and will take into account cigarettes because they recognise that people won't stick to a payment plan which is so restrictive they are likely to fail.
I also wouldn't recommend lying to them as if the truth comes out they will refuse to act on your behalf - creditors are still at liberty to take you to court if you default although this is unlikely if the CAB are acting on your behalf - you may be asked for some proof if it did go to court and is it realy worth the stress?
Good luck with it - when I did it I used to get a lot of satisfaction taking away the stress for people
They usually factor in for you to have some sort of social life and will take into account cigarettes because they recognise that people won't stick to a payment plan which is so restrictive they are likely to fail.
I also wouldn't recommend lying to them as if the truth comes out they will refuse to act on your behalf - creditors are still at liberty to take you to court if you default although this is unlikely if the CAB are acting on your behalf - you may be asked for some proof if it did go to court and is it realy worth the stress?
Good luck with it - when I did it I used to get a lot of satisfaction taking away the stress for people
