Hey there silverfox, Thank you for the warm welcome and very informative reply. I opened the accounts in around 2010-2011 I contacted them around 6 months ago, when i was forced to leave my job to explain that i was unable to work due to a disability and could no longer afford the minimum payments. They just advised me to contact StepChange for a debt management plan, which i did however i wasn't comfortable with the advice from step change who wanted me to open a complete new bank account and also stop paying all of my other creditors ( i have a couple of credit cards too which i pay monthly and have never missed a payment on these) I just wanted help with the very/littlewoods accounts but they were only willing to help with a plan that included my other creditors which is understandable. I am not really worried about my credit history being effected as i don't plan on getting any more credit any time soon. I am more worried about the interest/charges getting out of control and most of all bailiffs! I estimate i will be out of work for another 12 month's, Once i am back working i expect to be able to pay off the existing debt relativity quickly. But until then i am stuck. I will have a look at the link to the library you provided for the templates now, Thank's again its very much appreciated.

I have received a Default Notice from littlewoods and very stating that if I don't pay the full amount by such a date then further action may be taken against me, possible court action etc? 6 months ago i had to stop work due to a disability and have been paying £20 per month on each account ( i have two) which is the most i can afford at this point and i am now in arrears on both accounts, one has £600 arrears the other £900arreas . I simply don't have the money to pay them both and thus have only been able to pay £20 per month on each one. Now i am panicking and don't know what do do next? Any advice would be a big help.