Hello, I would be grateful for any advice on this matter. I have an account with jdwilliams,due to financial difficulties i fell behind on my payments and now the account is being dealt with by reliable collections. They have agreed an amount of £20 per month which I have religiously paid for the past 11 months,however they keep sending me letters saying payments need to be made every 28 days and as i can only pay on the 28th of each month they are now starting to add administration charges.I have telephoned them and wrote to them explaining i can only pay on the 28th of each month,but they say theres nothing they can do as they run on a 28 day system and if i cant pay by the due day i will get charged. thanks in anticipation