hello all I'm so glad to find these forums. I have been so stressed and losing a lot of sleep over this and it's all my own fault. I have a debt with Very (£3,200, so quite large). I have used them for years and always paid fine but I have fallen into financial problems. I let them know straight away and I was allowed to pay £60 a month for two months. My situation still hadn't improved and I corresponded with email to ask them if I could work out a payment plan with them and offered £100 a month, which I will still struggle with but thought it was a fair offer. They have responded saying thanks but it didn't reach their threshold amount of £220 per month and so they can't accept it. I was a bit shocked and again emailed to explain my situation and reiterate that £100 a month is all I can afford just now and that I would review it again in July. again, they said thanks but no thanks, it isn't enough. I'm now receiving letters saying I have three days to pay or they will pass it on to a debt recovery agency and that I am not helping myself by ignoring them. I honestly don't know what else to do and I feel like the worry about it is starting to really get me down. I don't know how else to pay them!? Please help me, I'm at my wits end. I suffer from anxiety and panic attacks as it is so I'm terrified of someone turning up at my door demanding thousands of pounds that I just don't have. Chelsea, Scotland.