I've been paying them for the last 12 months without any problems till this latest letter and they are only getting the barest minimum!

My original debt was with Morgan Stanley I had an arrangement with them and they so nicely passed it on to 1st credit!

Had a nice letter from 1st credit today saying they understand that my circumstances had changed, phoned them and asked what they knew that I didn't! Turns out they were referring to the fact that I had cleared my overdraft on an old account that I couldn't close because i couldn't pay it off. I explained that my brother had paid it because of the extortionate charges Halifax were going to enforce which would have just accrued more debt and that I would be paying him back when I could. She then launched into what you have done is illegal you should have divided those funds between your creditors we will pass this to our solicitors! Funny a couple of months ago I was a valued customer! She kept telling me 'we know you are a homeowner' at least they didn't threaten the bailiffs as they did 12 months ago! I informed her i would be contacting Payplan and Citizens Advice and put the phone down. A quick call to Payplan confirmed I had not done anything illegal as she suggested but had I not had that to turn to it probably would have freaked me out. I wonder where 1st credit recruit the people who work for them because the majority that I have dealt with are not very nice makes you wonder how they sleep at night!