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Hi. Sorry if I posted in the wrong place I am a new to the site. Please could someone help, very worried. I have a HP Agreement with Black Horse for my car purchased in December 2009. I made all payments on time until September 2011. I then had payment difficulties and made an arrangement for reduced payments which ended in May this year. A representative from Black Horse was supposed to call to see me to discuss in June but never showed up. I called and text him several times but had no response. There was no further communication from Black Horse and then a letter from Credit Style arrived and the constant telephone calls started last month asking me to contact them regarding the arrears with Black Horse. I called Black Horse to ask who they were and they said Credit Style were now dealing with my arrears and BH could not help me any further. I asked why their representative didn't show up and they said he was on the sick and his manager should have called me to discuss but didn't. I pointed out that this was unfair to transfer my account without giving me the opportunity to discuss and was promised a call back by a manager but never had one. Still being hounded by Credit Style I called them and the arranged to come to my house yesterday to discuss the arrears. Basically said pay the arrears in full and resume normal monthly payments or sign a Voluntary Surrender Authority to give the vehicle back which I dont want to do. He kept waving the form in from of me to sign but I signed nothing and after 2 hours told him enough was enough and to leave, they called me again this morning asking me to sign the VSA as there was not much time for me to think about it. If I did not sign it they would take me to court and come and collect the car. I called Black Horse again today but they keep saying deal with Credit Style. Credit Style are calling me back on Monday expecting me to sign the VSA. I feel I am being bullied into signing the form. Very worried and not sure what to do next.