Morning, just finished work, (yaaaaaaaaawn), thanks for the addy. Right, have had a dig around, I have it in writing re the reduced payments, the last letter re interest rates was a couple of years ago which informed me how pleased I should be to have my interest rate was dropping to 10.516% variable!! That was in Jan 2009. I didn't have PPI,. became wise to that one some time ago. Re broker, I'm 99% sure that it was a cold phone call from Norton Finance that put me on this rocky road with Picture. I've never had a statement, only had a settlement figure in writing when I asked for one. Right, I'm off to bed were I plan to stay until my name changes to 'Rip Van Nig'!! lol

Many thanks for the replies, will get a letter done over the weekend, will let you know if there is any shockers.

Hi, searched online and saw this thread so I thought I'd register and let you know of some problems that have cropped up with Idem Servicing/Picture in the last few days!! I was paying a Picture unsecured loan that was the negative equity from a previous house. I am renting at the mo and have no equity. I agreed a reduced payment in 2007 and have been paying that by direct debit ever since, I don't think the interest is frozen. I found the staff at Picture unhelpful and rude but they have left me alone for some time now. I had the same letter as everyone else has had re the changeover from Picture to Idem Servicing. The letter stated that no contact was needed, nothing would change and the current direct debit I paid would continue as is. The October DD went out, as planned. However, on checking my internet banking two days ago, I found out that Idem had taken out over DOUBLE my November direct debit amount!! Although this had gone through, it had consequently bounced all my other direct debits. LTSB were very helpful and have already returned the full payment that Idem had taken out, refunded in advance the bank charges (five DD's @ £10 each) and credited me £10 for the hassle. When I called Idem to see what the 'f' wording hell they were playing at, the operator put me on hold for over 7mins and came back with "I don't know what's happened, must be human error, it's our fault, sorry". When I asked for an assurance that this wouldn't happen again, he couldn't give me that. He instead advised me to cancel the direct debit and set up a standing order instead. This is the first time I've ever heard a company NOT prefer a direct debit!! The guy I spoke to yesterday at Idem was helpful and apologetic, but, I've had to ring therm again today and although I eventually got through to the same guy again (still apologising), the first guy I spoke to today was, well, you could just tell, highly trained to be antagonistic and bullying if at all possible!! I hope there isn't some dark secret to all this, good luck to all!!