hi and thanks for the repply, we did go down that road BUT ccs will not send a letter to them ONLY to us and ndr will not take that, we thought about not paying at all and letting them take me to court or going down the road and pleading bankcrupsey and then thay will get nothink, i think it is about £250 to do that, we will see after xmas.

hi all, can any body help on this> me and my wife are now on debt recovery with about 10 debters, we first went through a debt manegment ( you send them a cheque every month and they pay your debters ) but on some of my debters they was putting me in to more debt by not paying on the date/time, so we stoped them and went with the cccs and went on a pro-roto, we now pay all our debters our self by an agreed amount, only one of them will not let you do it that way> ndr from littelwoods, they say they cannot setup a £5 a month payment becouse it is NOT their policiy and we must go with a debt manegment, we keep sending £5 month and yes they take it of our bill BUT they put £12 on for insufficient minimum payment fee, so our bill is going up all the time NOT down, some body out their must know how to stop this, we was told by the cccs to keep paying the £5 becouse we would be braking the law if we did not. any help please gary