Thankyou, even if they repay the charges it won't clear the balance, so I'm not sure what will happen with the balance, can I just pay a reduced amount until such time I can afford to clear it? I have had a email back from Grattan asking for a doctors letter confirming my illness, then they may think about freezing interest, can they do this?

I've got myself into a bit of a mess with 2 catalogues & argos store card, (separate thread for catalogues. but same situation!) I've been diagnosed with a incurable lifelong condition that at the moment is requiring steroid treatment and for the past few months haven't been able to work as much as I should, so have got in a mess financially. I contacted argos as soon as I couldn't make my minimum payment, instead of £40 they let me pay £20 a month for 6 months, the 6 months is now up and I'm getting letters and several phone calls a day from FCA? I signed into my

I have been having problems paying a mail order catalogue for a few months now, due to being diagnosed with a incurable lifelong illness and being on steroid medication etc haven't been working as much as I would like, hoping to be in remission one day! I contacted littlewoods saying I was having problems and instead of the £100 I normally pay they would let me pay £50 for two months which I did, then as soon as the two months were up they went back to continually phoning and sending letters, I've written asking them to let me have reduced payments for 6 months but seem