Thank you. I have asked twice for a breakdown of all their charges. I have also said to them that they have to actually visit to apply the enforcement stage two but they say they don't need to visit they added it automatically when I missed a payment. Never visited. The man on the phone said they are allowed to add it they don't have to visit to apply it. But If they do have to visit then I only owe them about another £50. Who do I make a complaint to? If it's Marstons then I hold out no hope of them resolving it very nasty on the phone. And surely adding a charge for something they haven