The debt on the card is one i forgot about when i took the IVA out, it is for just over £500, and i have been paying the minimum amount with out missing a payment. Until August this year when the £13 minimum didnt go through due to no money (i'm living on disability at moment) Since then they have phoned a minimum of twice a day starting at around 07.45am in the morning or as late as 9.30pm. It is always from an indian call centre, and taking nothing away from them I cant understand what they are on about. If i ask to speak to a manager he's always busy elsewhere. It has now got to the point where we are screening all calls through the answer phone. I had a direct debit set up in my bank for all this time, which THEY have now cancelled, so there is now no payment going through, unless i phone this indian call centre. I have offered them an income and expenditure form but they dont seem to understand what i'm talking about and there charges for any missed payemnt is over £30 a time. I have also just come out fo hospital where a small operation went drastically worng and i was in intensive care for 4 days, they even phoned my mobile during this time despite my wife explaining i had died on the operating table and was in intensive care, they continued to call. any help is really going to be a bonus here. Thnks in advance guys. Cheers Gyrth

Hi, I'm new to the site, so not sure if i've posted this in the right section. I have a small amount of money on an old Monument credit card, I owe just over £500. I have been paying the minimum payments for over 2 years and had forgotten about this when i took an IVA out 3 years ago. Since April 09, i have been claiming Disability work allowance, and am getting no other benefits so am having to make this payments cover everything, i'm slowly starting to sink becasue of this. I missed a £13 payment to Monument in July, since then i have been getting 2 phonecalls a day from a call centre in India, asking when i can pay the back payment. I am currently running a £150 overdraft (allowed) but also becasue of bank charges beiong taken out it is always over this amount which then means i get less money (I have just found the appropriation letter which i will be dealing with for the bank). Yesterday i lost it with Munument and ashamedly shouted at the caller about being Harrased and being fed uip with keep repeating the fact twice a day that I actually have no money in the bank to make a debit card payment with. Previous to that i had asked for an I/E form to be sent to me, which arrived yestersay morning. Is there anything i can do/sayut this Harrasment the next time they call? I am struggling to hold it together at the moment, especially as we are finding it difficult to put food on the table or pay bills etc, which with a 7 year old, the food for him is always going to win. Thanks for any help in advance.