Kennyparkroad: I spent too much time today composing/writing my 2-page letter and just caught last mail collection- so, no time to post draft letter here. (Following your advice, I said I would send copy of my letter to the Court, which I will do).Again, thanks for your advice. Also,(very importantly!), your follow-ups pressurized me to get the letter written and sent, in quite good time....for me(!)- 3 days before threatened bailiff's visit. Will advise as to outcome.PittypatPS: I clicked "next thread" in error & found your informative letter re: Littlewoods (OFT guidelines). Very useful info .....Thanks! Trust this, and my letter, means I can sleep easy & Saturday has no unwelcome visit....

Thanks, will do so...I'll try and make the letter as concise as possible, but it will take me some time...

Many thanks, Kennyparkroad - I've been inundated with other things - but will (must) write either today or tomorrow as bailiffs due this Saturday. Will post my letter, as you advise.

Kennyparkroad:- Thank you! Great to get your immediate reply & with very welcome advice (which I will now act on). As you see, I'm new to this...If only CAG was in existence during the years I looked after my mum & getting more and more into debt (& still struggling out of it). Now, I don't feel so isolated! Thanks again, Kennyparkroad - and, of course, to CAG!

Hi Ginger66 I've been in same situation when I gave up working to look after my Mum after she suffered a stroke. Then I go into debt. In my panic, I agreed to pay far more than I could actually afford (which just added to the stress). Now, I know I should have followed all the free advice - ie: come to a payment arrangement which you can afford (just about). Newlyn first wanted me to pay £150 per month (which I certainly could not afford). Then it went down to £40 per month. HOWEVER, now that I have paid it off - finally - they are still chasing me and threatening bailiffs. I asked for schedule of all my payments made - they sent me a crazy one, showing only about half of my payments. A lot of my time spent in finding my proof of payments, then sending these to them. Newlyn agreed I had paid, so - all fine for a while, then, again, they send letter saying I owe over £500 & threaten bailiffs. Again, I go thro' the whole process, 'phoning them. Very stressful as they don't believe you & say they can't stop the bailiff. So you have to persevere (as calmly as you can)... Finally, again they say "fine, you have paid". But, again they have sent me another letter saying I owe over £500 and threaten baillifs. Now, I'll write to the head of Newlyn. I'm not sure what next step I should take to stop all this (never-ending nightmare). Any help, please...? PS: Ginger66 - as others have said, go to the Citizens Advice Bureau asap - and only pay what you can afford.