Hi All! I'm in the same boat with the Advent / Barcalys loan. I have recieved a phone call today telling me I am due to pay £250 odd quid. And I have already gone past my first payment date. I don't have £250 a month to pay this off, the smallest I could do would be £20.00 per time. Barcalys advised me if I can't afford what they are asking each month, (£75.00) then I should call the Citizens advice and see if they can get it lower for me. I am on Job-Seekers allowance I explained to them it's not much what I get. Ps. Hope you all have a lovely Christmas despite all of the Barclays - Advent nonsense.