IdnaInFile: sorry about that, it was a seriously bad day and I'd had a sip of the old grouse.

EDIT OFFENSIVE REMARK REMOVED I owed Halifax £6300 and have been paying them £60 a month for the last 8 months. I now owe them £7450. I have sent them a budget from the C.C.C. which advises me to offer £46. They keep writing demanding to I give them a breakdown of all my creditors and I keep telling them they are the only ones. Now I am being harassed by Blair, Oliver.... A year ago my kidneys packed in and I'm now on disability benefits. Bad enough, without these vultures that are getting Billions from the taxpayers to bale them out, [my bloody taxes] calling me 10 times a day. When I do talk to them I can't get a word in, they don't want to listen. Jobs -bodies no doubt, that will be made redundant next month. What soul destroying work that must be. Anyway, I believe that it is not a crime to be in debt [otherwise their managers...would be incarcerated instead of sipping champagne] They happily accept my £60 a month, surely an acknowledgement to accept my payments. What should I do? Is it just a matter of changing my phone number? One thing is has done is make me a lot more understanding to the European view of the Anglo Saxon-American disease of indoctrination on a gold plate while selling our souls to the Devil.