Has anyone been visited at home recently by a field agent from Excel Collection and/or Debt Management Services? I was told the cost of the visit would be added to my Mortgage balance and didn't real feel like I "got value for money" given they did a very basic Income and Expenditure review and then tried to get me to make a payment there and commit to a payment plan, that in hindsight is going to be difficult to complete.They never went into things such as kids school uniform( £78 spent today) or car repairs( £189 on Monday). I would welcome a proper review of my budget and will make every effort to contrbute to the arrears, whilst maintaining the normal payment, but the jump in rates,utility bills and the loss of bonuses has meant I missed a month and have £3600 arrears. Whilst £360 x 10 months is achieveable in any month where there are no additional costs, it is impossible when there are,and I hope my Mortgage Company don't judge me on the fact that I was encouraged to sign a document saying I understood I now had to make that every month,and have already got problems doing it in month one. I rate the value for money from a visit I hadn't asked for 1 out of 5 and feel that these costs £85, should be removed because it wasn't treating me farily.Please give me your views.