Hi   I wonder if anyone can give some advice please   I had a personal loan in 2006 for around £6000 which regularly paid for two years.   Unfortunately 2008 I was diagnosed with cancer and had to go to hospital for various ops etc   As 1 was unable to work I fell behind with the payments and was defaulted.   I then set up a repayment plan with the dept collector of £5 a month in which I paid for around three years   I then stopped paying when I discovered that the credit col