Thank you so much for your replies and advice. I have given you a little more background into the situation incase it might help..
The payments should have been £350 for 6 months after the 12 months, buy now pay later thing ran out. I took out Payment Protection Insurance when i purchased the item, which added an extra £200 odd to the bill. The first payment to come out for the item should have been this January gone but was made redundent in December so could only afford a £40 token payment at the time. They told me i couldn't make use of the Payment Protection as i hadn't paid the full £350 payment for the first month. Thought this was a bit odd as if someone is made redundant just before the payments start, how are they suppozed to be able to afford the first payment? I thought the whole idea of PPI was to cover for these unexpected circumstances.
Anyway i wrote a letter explaining my situation and phoned many times but still they passed me onto DCA and are now giving me 7 days to either pay the full amount or a Rep will be coming round to see me about the problem. I have continued to pay the £40's each month but this is the most i can afford on Incapacity Benefit. Hitachi are ruthless and have harrassed me so much that i am actually treating them like a priority debt, when i should be paying my Gas bill, which is far more important, but can't afford both. I would never have ordered the item in the first place if it wern't for the fact that i thought i had job security, (worked there 8 years an no hint of closure until the last month).
I didn't know I could try and claim the £84 back as i though this fee for the rep visit was classed as a service. Would be interested to know if it is a penalty fee or service charge, if it is the former then i will try to claim it back. They have added a couple of hundred quid on top so far also because i havnt paid the full instalment amounts.
Threatening letter from Hitachi Cap 
