Thanks for your advice, I did ask for the agreement which they all sent back, I have no idea what I am looking for, its a shame they can't see when people are in genuine need, I worked for over 19 years, have always paid off debts until the last year, and sent them proof I was on income support, I just can't get them to agree to take a least a small monthly amount & freeze the interest until I get a job...

H have said in their letter my statutory rights under their agreement have not changed, but I have to direct all my enquiries through Cabot. The have not sent me anything saying the agreement is cancelled. I took it out in Nov 06, only had three months left to pay, nightmare, should have kept paying them and not the other debts I have completed.

The charges are what (H) have charged me since I wrote to them in March, £25 for a letter, £50 early to late arrears fee's, mainly letters and only one regarding arrears.

Cabot financial they say I now owe £564.96, it was £384.96 when I wrote telling them I was in difficulty and asked for a lower monthly payment, the increase is all charges up to November on my statement.

How can I tell the difference, the letter on the back says notice of assignment to.... are we aloud say who the company is?

I am unemployed due to stress & depression since last year. I cannot work due to PTS disorder. I have contacted MBNA/PO/Bank of Ireland/Abbey & other's explaining my circumstances. I have had no replies, just default letter's and harrassing phone calls. Due to my mental health I cannot deal with people therefore I have written to explain this. My debts with the cards are rising due to defaults although I am paying them all £5 a month for now. One card has gone up from £4k to £6K just with their charges alone. What can I do?

I had a debt for just over £300 for a sofa I bought a few years ago, Ive never missed a payment until I became ill, and had to leave my job, so I am unemployed and on income support. I tried to pay off my debts and contacted all companies to ask for time to pay. All have ignored my requests except the car finance co, who have taken a lower payment. The company (H) who I financed the sofa with have ignored all my letters, they have refused my offers to pay back £300, the debthas now gone up to over £500 with their default charges. Today I got a letter from a debt company, enclosed with it was a letter from (H) saying they had sold my debt, so no prior warning. Any ideas on what I can do, as they wanted me to pay them £450, when I only owed them slightly less, I wrote offering £300 and they never replied. This all seems so crazy. any advice?