At the risk of being told tough shite, there are mitigating circumstances for me getting into debt. I've held my hands up and paid what I can afford but after losing my job I've now got to deal with Moorcroft threatening home visits for paying less than they tell me I can afford. Their income Vs expenditure form doesn't allow for things such as food ffs! I'm busy trying to find a job without dealing with this blind. I've sniffed around the internet and there is something about an SRA and request for CCA.... If anyone can give me any accurate guidance I'd be very grateful.