Lorraine, You are in quite a sticky position at the moment it seems. Do you have the original paperwork about the agreement? This will help in a complaint about being mislead. The best advice is go to the creditors seperately yourself and fully explain your situation with regards to your finances and Spectrum. Hopefully you can set up new arangements with individual parties knowing you wont have to pay Spectrum and at the end of them the debts will be clear!! Hope this helps or if anybody else wants to chip in a few words of wisdom please feel free!!

All you need to do is ring them up and cancel your standing order.

Just an update!!! I spoke to Spectrum customer services yesterday, ( i think there is only one person managing it) plz be patient as i had to wait for 20 mins.... 20 worrying minutes i might add!!! but spectrum still are in business however I think they are using it as a 'trading style' which doesnt have to be registered at companies house!! Apparently their new name is 'Money Village' i have done some digging into this new company. A few things dont add up so i will be speaking to them later on in the week and try to see where the proffessional relationship ties are!!! I will keep you informed plus if you are in a very lucky position to pay off some of you debts i have some good advice. Small debts (under £1k) its worth going through spectrum to do your settlement but as there is a fee of 5% of the saving on completion, bigger balances are worth doing yourself. N ow you are supposed to tell Spectrum you are doing this but i dont think / Cant see how this would matter!!

Their contact number is 0844 567 4242. please let me know how you get on as i have been with them since Jan 08. Now i have been in touch with them quite a bit over the past as i have kept my details up to date. I will be getting in touch with them this week as the amount of worrying information on here and other websites is concerning me. Chris the solicitor, i believe i may be another contender for your legal recourse!!