Hi I've had a debt with Premierman (Reliable collections) for some years. They have a credit agreement. I have paid the debt for several years at so much per month. January this year I requested a slightly lower monthly payment. This request was ignored. To cut a long story short 7 months later they have ignored a further 8 letters and added over £200 in charges, often adding £20-£40 some months and nothing other months, as they please. Two weeks ago I wrote for a final time, again enclosing all the previous letters and sent it recorded delivery. I offered a full and final settlement of over 60% of the outstanding balance, minus the charges that have been added this year. This offer was rejected (yes they finally contacted me, although via telephone which was recorded on my trueCall). They asked for £70 more than what I actually owe (minus charges) and claimed it was a good settlement figure!! I've had enough now. I am about to send of a SAR request and intend to claim all charges back for the last six years. Now here's where I am stuck. I have tried to read various webpages on reclaiming in court. It seems different ways are said and maybe some out of date, I don't know. Please can somebody help guide me here with these questions:- 1) - Is there a good chance I would be able to win these charges back? (Has many people here won or lost for example) 2) - After the SAR request and working out the full charges with 8% interest (I think) is there an up-to-date step by step guide here or anywhere else that is quite easy to follow, I'm far from the brightest if the truth be known and it frightens the life out me having to go to court but I am angered by this company and want my money back. That's it I think. Thank you for reading.