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  1. Really worried. I sent back deferral forms months ago and heard nothing back and forgot all about it. Yesterday received a letter to say i was 2 months in arrears and to make payment asap. I phoned and they said they had never received the forms. When i filled out the original forms months ago, i had to phone them to request another form as i messed up the original. They had a record of this request and sending this out to me. This surely at least indicates that i wanted to defer. The girl i spoke to said she would send out another form which would take ten days and i should send it back via email. I will also send it by snail mail. She said they would not be contacting credit reference agencies until i was 3 months in arrears so i have one more month. My fear though is that it will not be processed in time and i will be blacklisted. I have always had an excellent credit rating and i hate the idea of them trashing my credit score. What is the best way to proceed? Do i pay them until i get the loan deferred? All in all they seem to be a truly horrible company. Even their terms and conditions read in a very cocky and aggressive way
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