Hi I took out a Welcome Finance un-secured Loan back in 2008 for £4000 (worst thing I ever did but hey) I hit financial difficulties in Feb 2010 went looking for help and with Payplans help I went into a DMP with all my creditors.. Every single one has been fine froze interest stopped pursuing me etc... felt so happy stress free but THEN I noticed something when I received a statement Welcome Finance have carried on as if nothing has changed so each month I fall an average of £166 further into debt, they haven't frozen or reduce interest and they openly lied to payplan saying I owed £7955 when the last statement clearly stated was running at £6033 in debt because of interest which seems naughty This made me look into it and I noticed that £1500 had been added for payment protection and personal accident cover that I never knew I had wanted plus the interest. I started off with a cool head thinking this can be sorted but so far nothing...!! I informed Payplan of the situation and they say that this is one of those cases they cannot help with other than to try contacting them which I though was weird... I feel what’s the point I am just going further into debt each month because of one company everyone else has been ok but why won’t they help or even just respond to me. Just feel like giving up Steve