Hi there. This is my first posting. I wonder if anyone can help with the following situation. I'll be as brief as possible. When I was in business I was 'encouraged' to take on the lease of a machine by a company called Belle Sante by agreeing that they would give me £350 worth of products a month which would effectively cover the cost of the lease which was for £350 a month for 36 months. I had a letter to say the lease had been assigned to Bank of Scotland Equipment Finance on the 15th September 2008. In November 2009 I received a letter from Belle Sante to say they could no longer support the deal - I just have to accept that, but it was a blow. Around 23rd November I contacted the business debt line (I have the reference) and they sent me income and expenditure forms to complete - I completed these and sent them to Bank of Scotland along with an offer of £100 per month due to the economic situation and problems with my diminishing revenue. I had no response so sent them all over again. Still no response, so I stopped my direct debit as I didn't have the funds to pay them £350plus VAT each month. In March 2010 I made a decision to close my business. I found someone to take over the lease on the premises and she continues in the same name but it's no longer anything to do with me. In June 2010 I received a letter from ASP confidential saying they had been instructed to either sort out the arrears or collect the machine. I agreed to return the machine, which I did. I was advised that as I returned the machine and had paid around 14 months off of the 36 month lease, that would probably be the end of the matter(in her experience). In November 2010 I received a letter from Crystal Collections informing me that I owed £6,138.12 for the machine. On contacting them at the beginning of January 2011 I was told they were no longer dealing with the matter. A few weeks later I received a letter from Daniels Silverman Ltd to say that I now owe £11,489.34! I am in a position where I no longer have my business, my partner and I are receiving tax credits, I have no assets and very little money in rented accomodation. We are trying to start again. I have written a letter to the company stating all of this and possibly admitting to just the 7 or 8 payments that I missed up to the point when the machine was handed back. I made them an offer of £10 per month on this amount. They have replied wanting to know every detail about us in order to assess whether this offer can be accepted(though they don't acknowledge anything under £11,489.34 in the letter). They are also talking about taking me to court/bankrupting me/seizing goods etc etc. I am stressed and worried. Is there any course of action I can take or will I have to accept the scenario as it is? Many thanks.