How about people only take out debt they CAN afford to pay rather than taking on too much and then complaining about the company!? And yes most collectors work on commission and are only out doing a job to earn an income for there family instead of sitting on benefits. Some people just think they can get everything for nothing! Take take take and give nothing back. If you where to genuinely get into financial difficulty with benefit cuts or loss of job then I would suggest u explain to the agent and Come up with a solution together that would benefit both parties until it can be fully resolved again