Like many here in the sub-forums, I have debt problems and I'm paying my debts off in the best way I can afford with good advice learned from the internet (especially The Consumer Action Group) in how to tackle my problems. Having said that, DLC are the only debt collecting company that have caused me more grief than I think I deserve I sometimes feel like throwing in the towel. DLC acquired my MBNA credit card debt late 2009. At first, they phoned me regularly, sent me letters etc but advice from CAG helped me stave them off. We correspond by email only now. I am currently paying £5 per month towards my old MBNA credit card debt and this is the absolute max I can afford. They accepted this payment about 6 months ago (even sent me paying in slips) with the condition that they can review at anytime. I recently started receiving emails from them asking me to forward my income/expenditure details. I just secured a new job (7 weeks ago) which is only a temporary, ongoing, full time job (minimum wage). My net pay pays all my bills and I have roughly £2.50 disposable income left per week so living on the edge all the time. Obviously I'm looking for new work but that's difficult round here in Doncaster given the current employment problems we have. Their latest email worries me the most: Thank you for your e-mail of 28 May 2012, your comments have been noted. Whilst you are not obliged to provide us with income & expenditure details if you do not wish to do so, we are entitled to request these in order to consider if we are willing to accept a payment arrangement towards your balance. The reason that we have requested income and expenditure details from you is because you have advised us that you are unable to pay this balance in full. In order to determine whether we are able to offer you a monthly payment arrangement, we need information regarding your financial situation to ensure that any arrangement agreed is appropriate to both your circumstances and our requirements. I f we are able to come to a mutually agreeable arrangement with you, for repayments towards this balance, then this will prevent any possibility of the account being passed to our Litigation Department for further action to commence. If repayment negotiations fail I can confirm it is our intention to transfer your account to our litigation department for assessment. If approved by our litigation department a claim will be issued in the County Court with a view to submitting an application for a County Court Judgment, upon completion we will issue proceedings to obtain a Charging Order against your property. We can assure you that the Charging Order is required as security only and, if granted, will not be enforced by seeking an order for sale of the property or a lever to force you to make payments you can not realistically afford. Should you fail to provide an income and expenditure form and evidence your current financial situation, I can confirm we intend to proceed as above. Please either complete the attached income and expenditure and return it to us by 13 July 2012 or contact Sandy Lloyd on 0844 335 6497, quoting extension 7528, to discuss your account. Yours sincerely Duncan Pierce Team Leader They already accepted a payment arrangement 6 months ago, I cannot afford to pay more at present. What's my next step? Hope someone can help