How do I start a new thread?? sorry hatebein new!!

Hi all only just realised this site exsisted!! Im struggling with buccanan clark and wells at the moment and have been for a few months I have already made payments to them of £25 a month (:o £27 including charge for paying with debit card!!!!!) for 3 months the debt was from onetel i offered to pay one tell in installments because I couldnt afford the full amount of £330 they refused and said they cant except that they need full payment or nothing!!!! I told them there was no chance so they sent the debt to buchanan clark and wells! help how do I stand on fighting this debt now??!!! any advise will be fab xx:)