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Hi Missplod,

I am sorry to hear you so upset, I too have a young family and big debts that I am struggling to pay so I understand your concerns.

Hopefully the cccs will help on the 9th.

Take care and remember what is really important in life!!!

Hi there,

Thanks for the reply on the other thread joncris. The agreement is due to finish in April 2009, it was a 36 month agreement. Just to recap, i am one month in arrears of £221 and have accrued over £900 in charges.

HI everyone,

I am a new member and this is my first post. I am in a real financial mess but slowly sorting myself out. I have several debts which have spiralled out of control over the past 4 years but the first one I would like to tackle is a HP agreement with Private and Commercial finance (start Apr 06). I am one month in arrears despite paying at least the monthly payment of £221 everymonth since November. I have so far accrued over £900 in charges and they are saying there is nothing I can do about them they are lawful!! Can anyone suggest how to get the ball rolling in claiming these back I have already tried to speak with my 'account manager' but got nowhere. They are all agressive and rude.

Thanks